whats the difference in the prestige sets and normal silver sets

other then the extra coin and why are they valued so high

 

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Mainly just fancy packaging. The coins are all the same minus the commem as you mentioned. I steer clear unless I can get them and price as a regular silver proof set.

 

are the 90% i also hearld one has gold in it

i was wondering because the cheapest i seen a 96 was 285