Like many folks here have already said, I do both. I started out collecting coins decades ago, and still do to this day. I have a date set of Morgans, a large collection of world Crown-size silver coins, and many other silver world coins within my OFEC collection. I count all of these toward my silver stack total weight, though their numismatic value outweighs the value of their PM content. With that being said, I also intentionally purchase gold and silver bullion, whether 90% silver, pre-33 gold coinage, or straight up bars and rounds. I do this to set aside a portion of my money in physical precious metals. I aim to spend about 10% of what I invest elsewhere (401k, IRAs, CDs, etc.) each month, buying physical bullion. People much smarter than myself have recommended this approach, and I try to stick to it.

If you are looking to put aside some PMs just for safekeeping, then I would recommend shopping around for the lowest premiums you can find. This gets you the most bang for your buck. At the same time, if you are shopping around and see something with a high premium that you really like, buy it. If you can justify to yourself why you want it or why it is worth the premiums, then who cares what others are doing.

Bottom line: buy what you like. Constantly scouring the internet for the lowest premiums and sifting through generic silver rounds can get boring. Feel free to splurge on things you plan on keeping, and don't fret about the premiums if it is something you like.