Major D
The $21 range might be a good point.
I’ve collected for many years, off and on, since one grandmother gave me some Indian Head cents and the other one some “Mercury” dimes.
What “goes around comes around”! One told me she used to get a $2.50 gold coin at/for Christmas. My dumb question, why didn’t you keep them? Her reply “needed it to live on”. So, why did I not buy them, back in the 50’s-60’s? There are wants and there are needs. Needs should always win.
Today one of the the grandkids may ask me: “why did you pay $76 for a 2023 Morgan $ when you could have gotten an older Morgan from the bank for $1, in “paper” back in the day.” Grandmothers are/were underrated.
As to the clad proof sets, one of the grandkids said he did not want proof sets but he might get them at a lower price in the future. I agree with him would rather have a silver $1 Eagle for the $35 than the $35 clad set. To each their own.

Doubt we will see the mint deflate their silver collector prices thou.