90% US Coins good investment? bad investment?

So I recently abandoned buying silver rounds for the moment in favor of buying 90% US face value bags 10$/25$ my reasoning for doing this was if we will be using silver as actual currency for a while then the smaller amounts of silver would be easier to trade and barter with. On top of that it seems like Silver eagles are way over priced to me 6.99 over spot for the 2011's and 5.99 over spot for the prior years. So I also feel like I'm getting more silver for my fiat buck this way. I would love to have some feedback on this. I've only been in PM's for a few months so if I sound like a simpleton I apologize.