Hey GoldDabbler,
The great thing about the forum, as you've already witnessed, is that there are tons of folks primed to help out the noob. Of which, I am one.
Rather than just repeat what's already been said by others, the crux of the thing for me boils down to this bit of your original post (quoted).
I'm not stacking because I want to see a return on the investment over the next 10 or 20 years, per se. Instead, I'm one of those that believes stacking is a way to 'preserve' wealth. There are countless ways to invest or speculate in things that will net a better yield than precious metals - each with their own risk profile naturally. But because I'm looking for protection rather than growth (although growth would be great!), stacking is a winning play for me.
And if you believe as I do, that it's a hedge against inflation, then that in itself represents an element of growth. Someone above used the 'be your own bank' line and that's a useful way of approaching it. Others may talk about 'how you pay yourself'. Your work pays you in FIAT currency, and each month you pay yourself an element of that in gold or silver.
My favourite way to think about it is, if I'm going to buy myself something, I could be making way worse decisions than to buy myself money.
And to your other point - Gold because it's sensible. Silver because it's fun.
Good luck.
FNF.