I have always been leery of the gold/silver thing in large part because there is not remotely enough of it in most communities for it to govern a working post-SHTF economy. Another aspect of this is that all economics will be local post-SHTF and the value of gold/silver will fluctuate wildly to a degree that it wouldn’t be a sound arbiter of value. Yes it is a very good thing to have but of higher priority is addressing basic food/water/heat/security matters. You can have all the gold in the world but there isn’t enough food to go around nobody will be selling any.
I have some, but not a ton, for this reason. I think here in US preppers will have some, but I’m not betting everything on it! I have cash on hand to go on a massive food shopping spree when I sense things are about to get ugly. Dump all the cash before it becomes worthless. Gold silver will have its moments, but like Selco and you said… beans n’ bullets are more important.