I'd be careful with the silver, there is still room for a better ratio. Traditionally it was around 30-1 or so. But since silver is a important material in modern electronics (solar panels, possible new types of batteries and more) it could even get higher than that. Just be patient and watch how things develope.
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I don't sell just to have money. I don't need money. I exchanged my silver for gold coins, and I guess that is alright!
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Sure you can do that. The question is just which has more potential to rise. But thats hard to tell, especially when looking at how things are going right now, with geopolitics and Trump and all.
What I'm still keeping in mind is a new technology that needs silver - lots of it. Like a new type of batteries for cars. There was rumors of that recently. If that comes true, silver could see 100 or 200 or even more.
But to know that now needs a crystal ball. There are lots of reasons that speak for gold, too. War, inflation, economical troubles - and not at least that its easier to hide and transport than silver.
You are right, you will need a cyrstal ball, !LOL
So just take a day at a time, make the best decisions, if necessary, based on what you have.