They are only actually worth, what someone is willing to pay you. When you buy, you are always looking to pay as little as you can get away with, you shop around for the best price. Most business know that if you are selling, and looking to them to buy, you want a quick sale, need the cash, and willing to let go of some of that value. They sound sympathetic, like they are going to do you a favor (ever buy a used car?), but they are really gauging how desperately you need to make the deal.
Best price will come from a fellow hoarder, who sees an upward trend in silver prices, and want's your silver, before the price jumps up to where he considers selling.
