I only buy when premiums are heavily discounted. Surfing between the top 5 Bullion sites, there are always nice pieces at discount prices or on clearance. SD Bullion and Money Metals usually have the lowest premiums, but every now and then APMEX or JM have some nice clearance sales. It pays to shop around.
Picked up the 2025 Morgan and peace dollars just delivered from the us mint, and three more general BU ASEs, all 2021s. I have a Peace dollar collection so I get the new stuff when released.