Just my opinion - but if you can purchase Silver Eagles at a dollar over today's spot and just wait three weeks for delivery I would do that.
I've bought silver eagles in the past from apmex.com and they currently have limited stock on them and they are selling them at a $3.99 premium. I didn't realize the premium was that high now. Wow - looks like many people are taking advantage of the cartel's christmas precious metal sale. Just in time for stocking stuffers!