The vast majority of coins do not have milk spots. Just a guess on my part but I'd say that somewhere less than 1% do have or develop milk spots.
Sounds like a reasonable estimate, Doug. Ironically, I have about 100 silver coins and only 1 has milk spots (the one I bought in 2014 minted in 2014). Although my raw Canadian Moose coin has toned a dark blue/black. The Mint(s) must have done research on this, to get back to my earlier question, if you haven't gotten a Milk Spot by 3 ? 5 ? 7? years would you say you were in the clear ?
I don't think so. From what people have reported, spots seem to show up after a change in holder. The spots showed up after being sent in for grading or after being removed from mint packaging.
Well, I bought mine in 2014 and it's minted in 2014. I am pretty sure it didn't have the milk spot then. I stopped looking at the set a few months later. Seems that if you go 1-2 years without spotting, you're safe.
Not completely but yes you will have a better chance of being fine and a number that were going to spot will be showing them by then