I am just telling you that you are not going to get what you 'expect.' The market determines everything and when people are buying, premiums tend to be a little bit higher, and when you buy online you have zero wiggle room to negotiate the premiums. Good luck with finding a seller with your expectations. I would say if you want to buy at spot Craigslist would be your best option but then you would need transportation.
*edit Also, all circulated silver coins already have the wear factored in. The silver community already concluded that a $1000 face value junk silver bag only contains 715 oz of silver when is should be something on the order of 723 oz of silver if the coins were uncirculated.
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