Numismatic vs. Bullion for Gold IRA - What's the play?

• •Alright, so I’ve been looking at diversifying a chunk of my portfolio into a Gold IRA, thinking about what makes the most sense.
• •bullion for the IRA itself.
• •My current setup is pretty heavy on real estate, particularly in and around Aspen, which has been good to me, but obviously, that cash isn't liquid.

Alright, so I’ve been looking at diversifying a chunk of my portfolio into a Gold IRA, thinking about what makes the most sense. I've got a decent position in some physical already, mostly larger bars from when I was a younger, more nervous investor, but now I’m weighing the pros and cons of numismatic vs. bullion for the IRA itself.

My current setup is pretty heavy on real estate, particularly in and around Aspen, which has been good to me, but obviously, that cash isn't liquid. I’ve also been stacking various precious metals for a while now, probably a couple hundred ounces of gold and a few thousand of silver outside of any retirement accounts. For the IRA, I’m thinking about putting in another $500k to start, and potentially more over the next year depending on how the market shakes out. I'm leaning towards bullion for the simplicity and lower premiums, something like American Gold Eagles or Canadian Maple Leafs. They’re recognizable, easy to value, and I don't want to get caught up trying to determine the true numismatic value down the line. I’m thinking more for wealth preservation and hedging against inflation rather than trying to hit a home run on collector markets. Though I must admit, I do appreciate a well-struck coin.

But then I hear a lot of chatter about numismatics, and the potential for a double gain – metal appreciation PLUS collector value. Is anyone actually seeing that play out effectively in their IRA? From what I understand, the IRS rules can be a bit tricky with numismatics. I'm particularly concerned about justifying the premium if it's mostly due to collectibility rather than metal content, and how that impacts the "fair market value" for reporting purposes. It’s not like I'm trying to hide anything from the feds, but I also don't want to accidentally trigger an audit because I went for some fancy, low-mintage proof instead of a standard bullion coin.

For those of you with significant gold holdings in your IRAs, what's your strategy? Are you sticking purely to recognized bullion, or have you ventured into numismatics, and if so, what's been your experience with premiums, liquidity, and overall performance relative to straight bullion? And obviously, I'm not looking for financial advice, just hearing what's worked (or hasn't) for others. Thanks.