And what about the spread of PM's.... you buy some gold/silver today and you sell it tomorrow to someone else losing like 20%. And that is in ideal circumstances. WTF?!
I like PM's, they did fill some niche in the recent past, but I don't see them in the future at all or maybe just as a way smaller niche.
Silver your only real choice is to sell private, ebay or what ever your local website for buy/sell stuff. A lot of hassle.
Dealer is not an option depending on the tax in the area but you need like a 25% price increase to come out in front.
Gold, most dealers you walk in will pay you 98% of spot price, however recently some dealers have tried to pay only "scrap" price if the coin/bar has not the piece of paper with identical number one the coin/bar with it.
Metals nearing the use-by date. Dumped most, stuck with the Silver. Oh well may come in handy one day (as a doorstop).