Interesting question.
I get the idea to buy as many oz for the least fiat, but I'm not playing that game.
The game I'm playing is 'Hold what others want to buy.'
With a total meltdown all silver is bullion, but even so my 50% premium stuff will be worth a whole lot more than I paid.
No meltdown, and there may be a nice collector market.
I'm well over 500oz, on track for my first 1000, and at about $25 with shipping and premium, I'm happy with my average. I crossed the one year mark.
I bought a few Morgans (U.S.1800's dollars) at 300% over spot and I don't think I will ever regret it.
Classically beautiful.
Buys like that push the average up.
I've always thought that if/when spot goes back to $25 I'll back off on PM and switch to other stuff.
I would have thought the money for my last few tubes would have gone to pantry items, but I buy what is on sale, so silver it is. Pantry can wait.