Do you guys actually care about coin grading for your Precious Metals IRAs?

• •Most of what I bought was uncirculated Eagles and Maples, so they're already in pretty good shape.
• •I get that if I were buying rare numismatic coins, grading would be paramount.
• •But for standard bullion that’s just sitting in a depository, is it really that crucial for *our* purposes?

Okay, so I'm trying to wrap my head around something my financial advisor keeps hammering home, and I want to see if it resonates with anyone else here. He's a big fan of gold IRAs, obviously, and has helped me diversify a good chunk of my portfolio into physical gold – probably around $300k of my retirement savings are in there now. We’re in Salt Lake, so there are actually a decent number of reputable places for storage and acquisition, but he's always harping on the importance of coin grading, especially for my Gold IRA assets. Most of what I bought was uncirculated Eagles and Maples, so they're already in pretty good shape.

He's basically saying that MS69 or MS70 isn't just about collectible value down the line, but it’s a form of authenticity and quality control that gives me more leverage and a smoother exit strategy if I ever need to liquidate. My initial thought was, "Gold is gold, right?" Like, a one-ounce Eagle is always going to be a one-ounce Eagle, regardless of a tiny hairline scratch you need a magnifying glass to see. But he’s making a pretty strong case that proper grading, even for bullion coins that aren't technically rare, adds a layer of assurance regarding weight, purity, and overall condition that can matter for official IRA custodians and potential buyers.

I get that if I were buying rare numismatic coins, grading would be paramount. But for standard bullion that’s just sitting in a depository, is it really that crucial for our purposes? Is this just my advisor being overly cautious, or has anyone here had an experience where precise grading (or lack thereof) impacted their ability to sell or the price they received for their IRA gold? I’m thinking about potentially adding some platinum to the IRA mix soon, and if this grading thing is truly that big a deal, it's something I need to factor into my acquisition strategy for those as well. What's been your experience?