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

• •Alright, so I’ve been sitting on this Gold IRA for a little over five years now, came in strong during the 2018 market jitters.
• •Started with about $300k, mostly bullion coins – American Gold Eagles, Canadian Maples.
• •Felt like the safest bet at the time, just wanted that tangible asset protection.

Alright, so I’ve been sitting on this Gold IRA for a little over five years now, came in strong during the 2018 market jitters. Started with about $300k, mostly bullion coins – American Gold Eagles, Canadian Maples. Felt like the safest bet at the time, just wanted that tangible asset protection. Now with things feeling a bit… frothy again, I’m looking at potentially adding some more this year, maybe another $50k-$75k, and I’m genuinely torn on whether to stick with pure bullion or dip my toes into numismatics.

My advisor, bless his heart, keeps pushing the numismatic angle, talking about the potential for appreciation beyond just the spot price. He’s showing me some older pre-1933 coins, some limited mintage stuff. I get the appeal; I mean, I work in the bourbon industry – I know a thing or two about valuing legacy and limited editions. A rare Pappy Van Winkle bottles goes for way more than the liquid inside, right? But with coins, it feels a bit more opaque to me. Is that premium really going to hold up in an IRA in the long run, or am I just paying for a fancy story?

For those of you who've gone the numismatic route in your Gold IRA, what’s been your experience? Are you seeing that additional appreciation? Any horror stories of getting burned on overvalued pieces? On the flip side, has anyone regretted not going numismatic and just wished they'd stuck to the pure bullion plays? I’ve been messing around with that Gold IRA Calculator over at https://calculator.goldirablueprint.com/ to project some returns, but it really only accounts for spot price movement, making it harder to factor in the numismatic premium.

Right now, my gut says keep the bulk of it in easily liquidatable bullion, and maybe just a small percentage for numismatics as a "collectible" play within the IRA. But I'm keen to hear from folks who have walked this path and what their long-term regrets or triumphs have been. Living here in Lexington, I appreciate things with a good history, but I also like a solid, no-nonsense investment.