I was actually considering having some junk silver around the house for the infinitely small chance that an EMP would screw up commerce, and local sellers of essentials might be spooked on the modern currency. I can hear the guffaws, but is it "prepper" or "boy scout" (always be prepared). I'm not convinced enough to go out and buy junk silver, but...
When I saw the first post in this thread, I thought to myself that I'd probably sell only the coins that were priced significantly over melt value, and sit on the rest. Put a note in there "nothing here is worth more than melt value." When I'm dead, they can take them to the pawn shop as easily as I could now, and in the mean time, they're insurance against something. Yeah, it ain't gonna happen, but unless you need the money, why bother selling? It would be different if disposal wasn't so easy, or if you've got so much that loosing it in a burglary would be horrific.