Hi all. I like glow in the dark, shiney silver. Just melts my butter. Question. Am I better off purchasing 1992-s thru 2020-S silver coins raw or certified? PCGS etc.
Time, cost, personal preference and mint quantity should be your considerations, IMO. I never offer opinions on the purchase of coins. I believe it is your decision to make.
Excluding SAEs and Commemorative coins, silver coins from 1992-S through 2020-S were sold by the US Mint in Proof Sets only. Like @Robert Ransom, I'm not giving advice on what you should buy. IMO I think it would cost less to buy the sets, rather than buying individual coins. I would only buy them individually if I were looking to build a Registry Set.
All I can say is buy what you like as I seldom buy silver and almost never buy modern. Graded coins don't matter to me much either as I buy gold. Buy what you like with what you can afford to spend and you should always be happy with what you buy!
If you want glow in the dark shiny silver then you should be looking at some of the Canadian Dinosaur coins.