I really don't have a problem with the idea of Boulder banning guns. It just means they'll be the first target for the Denver locusts when collapse comes. They'll make great meat-shields while I escape North to Wyoming.
The difference between spot price and the price you're paying is what's called the "premium." It covers the costs of minting and distributing the rounds. A 10-15% premium is very normal.
What's interesting in this market is that most premiums are around 25%, which means there's a disconnect between the spot price (which is based on paper value of silver) and the real-world price. Theories abound on why this is, including manipulation of the market.
Given current conditions, the $30.61 price is very fair. A silver bull market typically takes a few years to unroll, so move forward only if you're looking to hold onto the bullion for multiple years; if you expect to need that money in three months, don't do it.
Tell you what, if you'll ask specific questions, I'll answer them all to the best of my ability. Only do this if your curiosity is genuine.
If it is, you'll find this to be a good starting point. The first 8 minutes are fluff:
My critique would be that it isn't broad enough. Both sides of the aisle are riddled with pedophiles.