I know that circulated 90% silver US coins can be bought for roughly 2 to 5% over spot (sometimes less, even closer to spot); while ASE's are generally availlable for 12 to 15% over spot. This difference in price seems likely due to the fact that the US Govt adds a $2 premium per ASE coin when selling to distributors - thereby raising the premium to retail buyers. So are we just getting ripped off when we buy ASE's? I know that some post that ASE's may get some "rare coin premium" if the ASE series (program) suddenly ended. However most of the lower mintage ASE dates were back in the mid 1990s. Most of the recent ASE's have very high mintages going over 20 million in 2008, 2009, 2010 -- so i have a hard time believing these coins minted in the past 3 years would ever be considered rare, even if the ASE program did end. So what do you all think, are we suckers when we buy rolls of 2010 ASE's at 14% over spot? I know that ASEs are GORGEOUS (I own a pile myself) ... but is it a smart buy?