Coin grading for IRA - how much does it REALLY matter?

• •Been thinking a lot about the actual impact of coin grading, specifically for the gold I've got sitting in my IRA.
• •I'm talking about the physical gold, not the paper stuff.
• •I've been running my hedge fund for over two decades now, and I've seen enough cycles to know that physical assets are non-negotiable.

Been thinking a lot about the actual impact of coin grading, specifically for the gold I've got sitting in my IRA. I'm talking about the physical gold, not the paper stuff. I've been running my hedge fund for over two decades now, and I've seen enough cycles to know that physical assets are non-negotiable. My own allocation is pretty significant, north of 7-figures in metals, and a good chunk of that is in IRS-approved bullion coins held in a Gold IRA custodian’s vault, not just raw bars.

My question is, when it comes to the standard fare for IRAs – Eagles, Maple Leafs, Krugerrands, etc. – how much does the specific grading like MS69 vs. MS70 really move the needle on appreciation? For my actual investment, I'm certainly not looking at collectible numismatic value, I'm looking at the intrinsic value of the gold itself. I went with these graded coins because, frankly, the custodian prefers it, and it feels like a slight premium for certified purity and condition offers a bit more liquidity or at least less hassle if I ever need to liquidate a portion. But is that premium for an MS70 just glorified marketing jargon when the gold content is the same?

I'm based out here in Greenwich, and a lot of my peers just buy regular bullion bars. My advisor, who's usually spot-on, suggested coins for the IRA to avoid potential issues with assaying on exit. I get that. But if I’m holding for the long haul, as I plan to (my kids will likely inherit this stuff), am I just burning a few extra basis points on the front end for something that won't matter in 20 years when pure gold content is king? Or is there a demonstrable advantage to that perfect grade even for standard bullion products?

Would love to hear from others who've navigated similar considerations with their own Gold IRAs. What's been your experience or perspective? Am I overthinking something that's essentially a minor detail in a large portfolio, or is there a genuine edge to the higher grades for IRA-approved coins?