I would appreciate getting other people's opinion on what must be assumed to be the greatest interest and need. A means of payment pegged to fiat money or savings item pegged precious metals?
There aren't any coins that have a fixed price like fiat money, or as you say by measuring the price of precious metals.
However, if you want to use an exchange with coins that are still stable with dollars, to make transactions you can use coins (USD COIN) and (USDT), both coins still follow the dollar price for now.
I think the two coins are still based on the dollar and the movement of precious metals (gold).
note:
However, it can be temporary, can change at any time.