Silver Eagles for my Gold IRA vs. Generic Rounds - what's

• •My custodian allows both Silver Eagles and certain generic rounds, and I'm a bit torn.
• •On one hand, there's the undeniable recognition and liquidity of American Silver Eagles.
• •The premium is higher, no doubt about it, but knowing they're universally accepted and easily verifiable just gives me a little extra peace of mind.

Alright, so I’ve been sitting on a pretty substantial gold IRA for a while now – about a third of my total portfolio, which is pushing well over the 7-figure mark. Now that I'm fully retired from the oil and gas industry here in Houston, I've got more time to really dig into the details of my holdings, and I'm looking at diversifying a bit within the precious metals space, specifically adding some silver. My custodian allows both Silver Eagles and certain generic rounds, and I'm a bit torn.

On one hand, there's the undeniable recognition and liquidity of American Silver Eagles. The premium is higher, no doubt about it, but knowing they're universally accepted and easily verifiable just gives me a little extra peace of mind. I've always been a fan of government-backed coinage, even with my gold, opting for Gold Eagles and Buffalos primarily. It just feels more…official, if that makes sense? I'm thinking about putting about $50k-$75k into silver to start, so that premium really adds up.

Then there are the generic rounds. You can get a lot more silver for your dollar, which is obviously appealing when you’re talking about potentially adding a significant amount. I’ve seen some really nice designs from reputable private mints, and fundamentally, an ounce of silver is an ounce of silver, right? For an IRA, I’m not really planning on touching these for a long, long time – likely passing them on to the kids eventually. So, the collectibility factor isn't a huge driver for me, but getting more actual metal for my money certainly is. Has anyone here gone with generic rounds in their IRA? Any horror stories or reasons why it’s a bad idea I’m not considering?

My gut tells me to stick with Eagles for the purity of mind, but my inner value investor (a habit I picked up from decades of analyzing energy investments) is screaming to go with the generics and maximize my ounce count. What are your thoughts, especially for long-term IRA holdings? Is that premium on the Eagles really worth it for something I don't plan on selling anytime soon?