I like the kilos, they feel nice, stack well in my safe and are easily disposed of if/when required. Interesting that you're spending a percentage of your gross income and not net...That makes the amount you buy even greater. I work the percentage off the net rather than gross however that may vary for others I guess. I'm paid allowances in my gross (vehicle, travel etc.) So they go towards paying for other things, like my vehicle's, not silver.
Thanks for responding and great to see how others stack.