Franklin Sanders offers one perspective on the whether to spend the premium to buy numismatic gold coins or not. He provides a great counterpoint to all of the industry hype around the subject.

His introduction sums up his view:

Our new customers usually ask,  “Will the government seize gold again like it did in 1933?  Shouldn’t I buy numismatic coins to protect myself from seizure?  Aren’t numismatic coins exempt from reporting to the government?”  The correct answers are (1) No,  (2) No, and (3) No.  But numismatic coins do cost a lot more per  ounce than bullion coins, and they carry a much higher commission.

His big points are:

1. The current law provides no real protection of numismatics
2. There is no legal definition of what constitutes a “numismatic”
3. Very few other forms of gold are reportable by dealers (e.g., 100 oz. gold bars, anyone?)
4. The government’s far more likely to seize pension and retirement funds than gold anyway

via What You Need To Know Before You Buy Numismatics.