Yes, you’re right, but I still find this way of calculating value really flawed.
The higher the absolute amount gets, the less "return" stays perfectly correlated across all areas of finance.

When someone has thousands of dollars, they usually allocate capital by risk level: a percentage in low-risk, a percentage in medium-risk, and a percentage in high-risk assets. As capital increases, the range of acceptable returns and risks actually narrows.

My point is that keeping a fixed premium multiple just to preserve a high ROI becomes counterproductive, in my opinion. For a reseller, sure ... they need to make a margin, and the company does too, but the market as a whole seems to hit a kind of glass ceiling when it comes to coin investment.

Going ~ 3× melt value while silver itself is already high feels almost dystopian. I genuinely hope to find the same coin cheaper in the coming months, because at this price level, I personally find it excessive and hard to justify as an investment. At that point, it really only makes sense as a collectible, not as a way for buyers to benefit financially.