As I have a bit of time on my hands I have looked at this quite carefully and critically and I agree with pretty much all your comments. I started with no knowlege, I made some inquiries and the dealers who replied were the ones pushing collectibles, graded coins etc and I had a lump of money burning a hole!, I haven't regretted the purchases and yes, I paid high premiums but sincerely believe I was not ripped off.
the view then was to stash it away for the next generation, thoughts of "what if" did not enter my head, now I have had a couple of years and discovered TSF and given my situation a more considered approach, I have come to the conclusion that to concentrate on stacking bullion is now the best way forward, mainly because I can only add small amounts now so this rules out any expensive sets etc, however, I do enjoy the "pretty" and "collectible" ones (like a 69 graded 2021 gold completer that I have, just something about it!) the sets that I have I will just keep an eye on, I might be tempted to move on if the price is right and reinvest back into bullion, I like the sovs and there is plenty of scope within them to scratch the collecting itch! and I can buy them on the forum, I will keep some of the collectibles, tho' not a gambling person its quite a buzz to have some coins that "could" do well, fingers crossed I shoudn't need to sell them in an emergency.