I agree with you 100%. I proudly refer to myself as a "Numismatic Amateur". The term "amateur" is french for "lover of a pursuit". Today, an amateur is thought of as someone inferior to a professional, but "back in the day", professionals carried the bags for the Amateurs. In golf, the US Amateur and the British Amateur were two of the Major tournaments of the day. As a Numismatic Amateur, I've never understood the crassness of the professional to cast away coins as "junk" while valuing the pristine, uncirculated coin. Your coins have honest wear; they've circulated; they passed between people as history was being made. Collect what you enjoy. The good news is that many circulated coins with very interesting dates can be found at reasonable prices. You don't have to have them certified or worry about hurting them by putting them into an album to be viewed and enjoyed. At the last Baltimore Coin show, I put together the mercury dime collection from 1923 to 1929 (f-vf...except the 1926S) and didn't pay more than $5 for any of them...what stories these coins could tell!!
Again, melt value doesn't mean that you need to melt them down. It's just saying they're not worth anything over the intrinsic silver value. The value of the silver were you to melt them. Just because I'm saying they're worth melt, doesn't mean you should melt them. Common "junk" or "semi-numismatic" .900 US silver coinage is practically as valuable as .999 bullion. It's easily recognizable, everyone knows the silver content, it's good to have. There's no reason to melt it, it's just what its worth.
Junk silver is just a term used when referring to silver coinage that has only a value of the amount of silver contained in it, and no numismatic value or premiums.