White Cobra,
I feel for your personal situation of knowing what's needed/precious metal accumulation and servicing your personal needs. Only you can best judge what to do.
As for the Phy$ical Cliff, what's happening is a Congress that has for several decades ruthlessly over spent tax payers hard earned money is now engaged in a raging war over how to arrange the chairs on the sinking USA luxury liner. How this has something to do with the subject of this forum it guarantees precious metals will be one of a few ways to help protect whatever wealth one has.
Re. unemployment compensation I'm guessing more & more responsibility in protecting jobless individuals and families will be moved from U.S. government responsibility to the states to wrestle with. Of course states, counties & towns can't print currency so two things will happen - we'll do with less & less state,county&local public aid & services and our state,county & city taxes taxes will increase dramatically.
I'm afraid we've only seen the previews of the economic suffering to come. I'm wondering how many folks will loose their homes because they won't be able to pay their county property taxes ?