Coin grading for Gold IRA - worth the hassle?

• •Been thinking a lot lately about how coin grading impacts my Gold IRA.
• •It feels good to have that diversification, especially with all the ups and downs in the stock market lately.
• •I’m in Little Rock, so not a ton of local precious metal dealers, which sometimes makes me a little extra cautious.

Been thinking a lot lately about how coin grading impacts my Gold IRA. I’ve put about $60k into it over the last three years – started after a pretty intense budgeting seminar, ironically while I was teaching financial literacy at the high school. It feels good to have that diversification, especially with all the ups and downs in the stock market lately. I’m in Little Rock, so not a ton of local precious metal dealers, which sometimes makes me a little extra cautious.

My question is, how much does the grading really matter for IRA-eligible coins? I know for numismatic coins it's everything, but for the standard bullion stuff like American Gold Eagles that I mostly have, is a perfect MS70 really going to move the needle all that much when it comes to selling it out of the IRA in 10-15 years? Or is it more about just ensuring authenticity and being in decent condition to meet the purity requirements?

I’ve been tracking my portfolio with a spreadsheet, but I just found this Gold IRA Calculator that looks pretty neat for projecting potential returns. I’m honestly more focused on the long-term hedge against inflation than trying to flip coins, but I also don’t want to leave money on the table. My main custodian has assured me everything is good to go, but you know how it is – a little self-education and peer advice always helps.

What are your experiences with graded vs. ungraded bullion in an IRA? Am I overthinking this, or is there a genuine advantage to paying for grading, even for common bullion coins, when they're held in an IRA? What happens if a coin gets minor scuffs after it's been in storage for a while – does that tank its value for IRA purposes?