Not sure where you're from, but I'm from Europe and not one single store locally wanted to buy Gold 1-2% below spot value. They're just not interested. I don't even blame them with how the Gold market keeps tanking. 5-10% below spot value grants them some extra breathing space to not lose out on transactions with how consistently the price keeps going down.
I'm from Asia and I don't have difficulty to sell gold. Yes, the gold price is going down for quite some time but somehow I like a gold investment so I have invested some money in it.
Silver hasn't been money in ages, it's over, im sorry to tell you. Gold's massive marketcap and network effect is amazing, I would be willing to buy some, however, since bitcoin exists, im not sure why would I even bothered.
Have you heard about the "investment diversification"?
Nothing can be predicted and anything can happen in the future so it is always better to diversify your funds and invest in different asset classes to reduce your future risks in investments.