Numismatic vs. Bullion for Gold IRA - My Experience & Questions

• •I've been seeing a lot of talk lately about numismatic coins in IRAs, and it's making me wonder if I made the right choices with my own Gold IRA.
• •Started mine about five years ago, right after a few of the executives at the oil company I work for here in Tulsa started talking about it.
• •They were all in on precious metals, especially with all the market craziness going on at the time.

I've been seeing a lot of talk lately about numismatic coins in IRAs, and it's making me wonder if I made the right choices with my own Gold IRA. Started mine about five years ago, right after a few of the executives at the oil company I work for here in Tulsa started talking about it. They were all in on precious metals, especially with all the market craziness going on at the time. My portfolio is sitting somewhere around the $180k mark right now, and it's mostly American Gold Eagles – the bullion ones.

My understanding was always that for an IRA, you stick to sovereign mint bullion coins because they're directly priced to the spot market and are IRA-eligible without a lot of headaches. That's what my rep advised me on, and it made sense. But now I'm seeing people on here talking about numismatic coins, like pre-1933 gold, and how they offer potential for appreciation beyond just the metal's value due to their rarity. Is that really a thing for IRAs? Because I'm picturing trying to liquidate a rare coin when I hit RMD age and it feels like it could be a nightmare compared to just selling bullion.

On the flip side, if there's significant upside I'm missing out on, especially with just under two decades until I need to start thinking about RMDs (been playing around with that RMD Calculator thing – really helpful for planning, by the way!), maybe it's worth a look? The idea of a coin being worth more than its gold content is definitely appealing from an investment standpoint, but the premium always seems so much higher up front. My husband is super skeptical of anything that isn't straightforward bullion, and I can see his point.

So, for those of you who have numismatic coins in your Gold IRAs, what's your experience been? Is the premium worth it? How do you assess the true value of these coins, especially when thinking about future liquidity for distributions? And for those who stuck with bullion like me, any regrets or still feeling solid about that decision? Just trying to get a feel for what I really need to be aware of.