I think looking at your collection on "Cold, damp days" has something to do with it as well. Just because it's zipped away most of the time, your locking in that damp air inside your ziplock bags, so that moisture is trapped in there.
I hate having urges to look at my collection on rainy days, because I know all that moisture in the air will effect them somehow. And I like my bullion coins untoned, especially things like the Lunar Series or even the Australian Kooks. But I also like my bars toned, give them a nice look.