Silver Eagles vs. Generic Rounds for IRA - What's your play?

• •Alright, so I’m sitting here in El Paso, looking at my portfolio, and it’s got me thinking about my next physical precious metal move for the IRA.
• •Currently, I'm hovering around the $180k mark in the precious metals portion, with a good chunk in gold, but I'm looking to add some more silver.
• •The big debate in my head is between American Silver Eagles and generic silver rounds.

Alright, so I’m sitting here in El Paso, looking at my portfolio, and it’s got me thinking about my next physical precious metal move for the IRA. Currently, I'm hovering around the $180k mark in the precious metals portion, with a good chunk in gold, but I'm looking to add some more silver. The big debate in my head is between American Silver Eagles and generic silver rounds. I know the Eagles have that government backing and higher premium, which usually feels a bit safer, especially since this is for retirement. But then those generic rounds are just so much cheaper per ounce, and honestly, an ounce is an ounce when it comes to the metal itself, right?

My business here on the border gives me a pretty good read on market sentiment, and I'm seeing a lot of folks hedging their bets, just like I am. That premium on the Eagles really adds up when you're talking about a significant allocation. I’m not planning on touching this for a long time, but still, every cent counts. I’m trying to decide if the lower premium on generics outweighs the liquidity and perceived safety of Eagles. Is that government mint premium a true benefit during a crisis, or just extra cost I'm eating? I’ve even considered going with something like Canadian Maple Leafs as a middle ground, but haven't really dug into their specific premiums for IRA eligibility.

Thinking about the long game, these are going into a self-directed IRA, so I’m already comfortable with the process. But when it comes to eventual distributions, I’m planning on rolling these over for a while. Speaking of which, I was just messing around with that RMD Calculator at Gold IRA Blueprint today – pretty slick tool for figuring out those future required minimum distributions. Definitely worth checking out if you haven't. Anyway, it got me wondering if the type of junk silver or sovereign coins you hold impacts how easily those RMDs are satisfied if you decide to take them "in kind."

For those of you with significant holdings in your precious metals IRAs, what’s been your strategy with silver? Do you stick to Eagles, or do you diversify with generics or other sovereign coins to save on premiums? Any long-term investors regret paying the premium for Eagles, or conversely, regret not paying it? Curious to hear your thoughts and experiences!