I usually have a an emergency pool of Liquid cash in reserve based on my average monthly expenses over the last five years (Lots of Math budgeting) and it took considerable time to get there. This eliminates my need to convert to fiat against any time of my choosing. I do have a side plan to take advantage of windfalls in lofty price action should a special situation materializes or to trade for the equivalent in gold, BTC or an income producing asset. That, I assign my Generic segment of my Stack.
As For Utility my constitutional PMs are reserved for Emergency commerce should Fiat has it's catastrophic failure (Mostly silver dimes as a transition currency).
Living in Canada, premiums are always high as the cost of living is high and I can't help it other than to do the math, otherwise the majority of my PMs (Govt minted PMs) will remain as my insurance premium against economic Tail risk and remains as a Generational Family asset.
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