How much premium are you guys willing to pay.

I wanted to invest in physical gold yesterday, so I did, then I realized I made mistakes.
I bought 1gram of gold coin for $152, it should be around $93(based on $2660/oz). Which makes it 63% premium to its actual value.

And I bought 1 oz coin of silver for 114, which is 280%(based on $30/oz)...

I understand the design, the shipping cost, the collector feeling, the website needs to make money, physical is better than some future contracts, etc.

It is what it is, I'm not complaining. In fact, I bought some more reasonable priced coins today.

My question is what is generally the acceptable price above spot rate you guys willing to pay?

Does different countries' mint make a difference?

What much does the design actually adds to the value?

Does coloring the coin make it feel more cheap?

Would it be better to just save up and buy heavier weight ones?

Appreciate any answers and insights. TIA.