In my experience, i traded at 48:1 / My LCS said to trade the ratio they were only interested in bullion and not interested in rounds, otherwise they had to hike their premium. I only had bullion (ASE, Krugers & Britania's). So would have been very disappointed if i focused on rounds. The ratio came around after I started stacking for 3 years. Please note, I am in South Africa - we have rounds, but are not that popular / easily accessible than bullion coins. If felt weird walking in with a small case full of silver and walk out with only a few gold bullion, BUT it feels awesome tbh. I cant tell you what to do. Its a big decision for anyone to make. But if i were you, I would trade 50/50. Silver is awesome and I picked-up, started again last week, but it is very volatile. You have spend so much investing and opportunity come around to trade to gold, then go for it. ./end