Welcome to the forum Gracie!
I am of the opinion that we do not 'invest' in silver, we preserve the value of our saved work. If I were investing, I would be churning paper and banking the arbitrage, but when I stack silver, i am preserving my accumulated wealth [such that it is] for future use. When you stack your silver, and put it in a cool dark place for a few years, you soon realize that your purchasing power is no longer subject to inflation. By the mere whims of congress, the US can spend fiat money like drunken sailors on leave, reducing the value of its perceived value, thereby causing other countries to lose a little bit more faith in our "money".
You are making the best decision you could possibly make! Just remember, when you stack PM's, you cannot watch the ticker each day unless you have steeled yourselves against the nerve wracking roller-coaster ride that it invariably takes, as the battle wears on between paper and physical. Furthermore, you must realize that while the paper price may be 35$, the physical price can be, and often is, higher than that of paper. Through premiums, dealers in physical will make up the difference between the 'control price' [paper] and the prevailing price that silver can actually be purchased for. This is made evident as you look at the prices charged at Apmex, where the premium is illustrated in living color.
Good luck and happy stacking.
Oh, and welcome to the Club.