bullion silver coins?



assuming $1 USD = $1 CDN then When you buy a 1 oz Bullion silver coin with a $5 value in Canadian dollars how much is it actually worth at 17$/oz

Is it worth $17 only as the value of silver?
Is it worth $22 because of the $5 surplus on it

Is it worth what people are willing to pay for it and therefore buying them at $23-25 is worth it because as the price of silver goes up, there should be a surplus of value.

Thank you
Derek

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