Gold IRA storage: Depository vs. Home? So many questions!

• •Okay, so I’ve been wrestling with this for a while now and could really use some input from folks who've been there.
• •I've got a decent chunk (around $150k) of my retirement savings diversified, and about $25k of that is in a Gold IRA.
• •My custodian requires depository storage for the Gold IRA, which makes sense from a tax and legal standpoint, obviously.

Okay, so I’ve been wrestling with this for a while now and could really use some input from folks who've been there. I've got a decent chunk (around $150k) of my retirement savings diversified, and about $25k of that is in a Gold IRA. I’m an insurance agent here in Omaha, so I’m all about risk management, but this particular aspect of gold retirement storage has my head spinning a bit.

My custodian requires depository storage for the Gold IRA, which makes sense from a tax and legal standpoint, obviously. But I’m also contemplating buying some physical gold outside of the IRA for direct ownership, just as another layer of personal security and diversification. This is where the home storage vs. depository debate really hits me. On one hand, having physical gold in my home gives me immediate access and a sense of direct control, especially if things go sideways with the financial system. On the other, the security risks are HUGE – I mean, I can get a good safe, but it's not Fort Knox. And then there's the whole question of insurance for home storage; my homeowner's policy would likely have limitations that make insuring a substantial amount of gold incredibly expensive or impossible.

For those of you with significant gold holdings, particularly outside of an IRA, what's your take? Do you split your holdings between home and a private vault/depository? What are the practicalities and costs of insuring substantial bullion at home? And for those who use depositories for non-IRA gold, what are the pros and cons you've experienced? I’m really trying to weigh the peace of mind of having it close versus the undeniable security of a professional vault. Any advice or anecdotes would be super helpful as I map out the next steps for my own strategy.