Silver Eagles vs. Generic Rounds for my Gold IRA - anyone have thoughts?

• •My advisor mentioned Silver Eagles are the go-to for IRAs, but man, that premium is tough to swallow.
• •I know the Eagles are government-minted, recognized everywhere, and generally have strong liquidity.
• •But when I look at generic silver rounds, I can pick up a lot more ounces for the same dollar.

Okay, so I’ve been stacking gold for over 20 years now, mostly physical, but started getting into the IRA game a few years back – got about half a mil split between a traditional and a Roth. Always gone heavy on the gold, but I'm looking at adding some silver to diversify a bit more, especially with all the talk about industrial demand picking up. My advisor mentioned Silver Eagles are the go-to for IRAs, but man, that premium is tough to swallow.

I know the Eagles are government-minted, recognized everywhere, and generally have strong liquidity. But when I look at generic silver rounds, I can pick up a lot more ounces for the same dollar. We're talking like $3-5 difference per ounce right now, sometimes more. For someone like me, who’s been through a few market cycles and is comfortable holding physical, that premium feels like I’m paying for a brand name when the underlying asset is the same. I’m a retiree from the auto industry here in Detroit, lived through enough ups and downs to know that every penny counts.

So, here’s my question for you all: for an IRA, is the premium on Silver Eagles really worth it in the long run? Or am I better off just getting generic rounds and maximizing my silver quantity? I'm thinking long-term here, not trying to flip these in a year. When it comes time to distribute, does one option drastically outperform the other, enough to justify the extra cost? Or is it more about peace of mind? Any other Detroiters out here with a similar portfolio size and perspective?