Custodian fees for my Platinum IRA - what am I missing?

• •Okay, so I've been doing a deep dive into custodian fees for my Platinum IRA, and honestly, it's making my head spin a little.
• •I'm a marketing exec, so I'm used to deciphering fine print, but some of these fee structures just feel… opaque.
• •I’ve looked at a few of the big players and some smaller, more specialized ones.

Okay, so I've been doing a deep dive into custodian fees for my Platinum IRA, and honestly, it's making my head spin a little. I'm based in Minneapolis, looking to stack about $150k-$200k in platinum as part of my early retirement plan – the goal is to be sipping piña coladas by 55, maybe 58 at the latest. I'm a marketing exec, so I'm used to deciphering fine print, but some of these fee structures just feel… opaque.

I’ve looked at a few of the big players and some smaller, more specialized ones. Some have flat annual fees, which seem nice and predictable. Others have tiered fees based on the value of your metals, which could get pricey as platinum (hopefully!) appreciates. Then there are the transaction fees, storage fees (segregated vs. unsegregated – is segregated really worth the extra cost for someone at my portfolio size?), and even termination fees. It feels like every company has a slightly different way of nickle-and-diming you, and comparing apples to apples is turning into an exercise in advanced algebra.

For those of you with significant Platinum or Gold IRA holdings, especially in the $100k-$250k range, what custodians have you found to be the most transparent and cost-effective in the long run? Is there a sweet spot for AUM (assets under management) where certain fee structures become more advantageous? Any pitfalls I should be watching out for beyond the obvious? Just trying to make sure I'm not leaving thousands on the table over the years just because I didn't read the footnotes closely enough.