I store wealth in metals* with the same mindset as you. As close to spot as possible is my first consideration. The only coins I've been known to pay a bit more for are indeed pre-1933 gold*. I usually justify it in my mind as a 'historical significance premium'. $25 over spot/oz is a great price for pre-1933 gold!
*Of course, I lost all that in the tragic boating accident I had some time ago.....sad!
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