it's not a coin; it's a silver round / medal / medallion. a coin has a date, a denomination, and is issued by a sovereign government.
that said, i still purchased over a kilo of kiwi silver myself.
iirc, the u.s. mint does not sell directly to consumers. proofs and proof sets (which are typically some percentage of precious metal) will need to be purchased through a dealer. those will sell for a premium over spot due to the value of the precious metal content over the face value (denomination) of the coin itself, as well as for their numismatic value. standard circulation coins will go to the banks, where you can request to exchange an uncirculated roll for an equal amount of money. s/c coins that don'tt contain precious metal cannot be sold by financial institutions for more than their face value, as they're considered currency.
i'm glad that null mentioned this thread in a recent stream. i was beginning to despair that there were so few coin autists on the farms.