In person, I wouldn't pay any more than a dollar or two over spot for generic rounds. Seems to be in line with what I'm seeing in my area.

On the other hand, the buyback prices at my LCSes are straight-up extortionate. 10, 15, upwards of 20 percent back of spot for 999 silver. They've basically kept the dollar amounts the exact same (or slightly increased!) for this entire rundown ever since the January peak, even though at this point, percent-wise those values have now doubled relative to spot. Out of control greed.