I am with you on this one. I do not like having such a premium in bullion coins which can sway too much up or down due to paper silver manipulation.
I prefer Morgans seeing how they tend to hold decent value if the price of silver does go down. Also, I know there is a premium on them but if one is diligent one can pick them up at nice prices.
If you are a gradual accumulator, Morgans are the way to go. This is another silver investment that has disapeared off the shelves, in recent months/years. S~P