I’m not really seeing any huge premiums where I buy phyzz. As you say, the premiums are better on the smaller coins 1/10th, 1/4, etc. – but they always are. When you get into the 10 oz. bars, there are no premiums.
Gold Bullion Coins – Bars – Best Price + Free Shipping = Happiness (golddealer.com)
Premiums on silver coins have dropped from 10% down to nothing despite the shortage in a lot of items.
Silver Bullion Coins and Bars – Best Price + Free Shipping = Happiness (golddealer.com)