Personally I am buying, but must admit I am brand new to the game.
I don't know if I am becoming a stacker or if this is just becoming my new hobby. I do like the idea of having something which has had value for thousands of years. I also find the whole process of making the coins and bars incredibly interesting.
I am only buying silver, simply just because gold is so expensive. I do know the premiums on silver is very high, but for me it's either silver or nothing at the moment.
I believe that I will change my approach though. So far I have bought the same generic coins but from now on will mix it up more, just for variety. As I plan to be in this for the long haul, I guess I'm more worried about inflation than premiums.