Silver Eagles vs Generic Rounds for IRA - What's been your experience?

• •I've been kicking around the idea of adding some more silver to my Gold IRA.
• •Based in Philly, grew up here, and I've been a lawyer for over two decades now, so my brain is wired to look at every angle.
• •My core holding is definitely gold, but silver has always been an attractive hedge for me.

I've been kicking around the idea of adding some more silver to my Gold IRA. My portfolio generally sits in the $750k range, and I'm pretty conservative; focused on wealth preservation, especially with all the noise out there these days. Based in Philly, grew up here, and I've been a lawyer for over two decades now, so my brain is wired to look at every angle.

My core holding is definitely gold, but silver has always been an attractive hedge for me. I'm staring at a choice right now: American Silver Eagles or just go with generic silver rounds or bars. On the one hand, Eagles have that government backing and recognition, which feels a bit safer, maybe more liquid if I ever needed to sell. The premiums, though, are a killer. I'm seeing them significantly higher than generic options, which means fewer ounces for the same dollar amount. That part really stings when you're trying to maximize your holdings.

On the other hand, generic rounds offer way more bang for your buck in terms of actual silver content. If the goal is purely an accessible store of value – raw metal ounces – then generic seems like the obvious choice. But then I worry about potential difficulties when it comes time to liquidate years down the line, especially with an IRA setup. Are generic rounds as universally accepted by dealers? Is there a higher risk of counterfeits, even from reputable dealers, that could cause a headache?

I’m thinking about the tax implications too, especially with potential gains down the road. I was playing around with that Tax Calculator tool on Gold IRA Blueprint the other day, just plugging in some hypothetical scenarios for when I eventually start taking distributions. It’s a useful little utility for getting a rough idea. But back to the silver: For those of you who have physical silver in your IRA, what route did you take? Did you splurge on the Eagles or go with generics? Any regrets either way? I'm curious about real-world experiences, not just what the sales reps tell you.