I have quite some silver bullion coins for the same reason as you have them: to collect them because they're beautiful. I also have a few which I might sell again in case I suddenly find myself in dark, dark days.
I think you shouldn't worry too much about the tiny spot. The difficulty with inserts like the one you have is that they may actually do small damage to coins for a variety of reasons and for what I see, your coin is still in mint condition. It's why I don't like insertions (or colored coins, for the same reason).
I also wouldn't bother too much about getting it graded. I don't think it's worth $50 to get someones paid opinion on this one. Chances are that the grader will damage it, that it gets lost in the mail or that you end up with a grade you don't want: they are human and makes mistakes, too. Lots of examples of that on this forum. Everyone can see that this is one beauty of a coin and as it looks to me (not 100% sure as the picture isn't optimal) this is one beauty of a coin that might indeed give a shot at an MS-70.
I think you shouldn't worry too much about the tiny spot. The difficulty with inserts like the one you have is that they may actually do small damage to coins for a variety of reasons and for what I see, your coin is still in mint condition. It's why I don't like insertions (or colored coins, for the same reason).
I also wouldn't bother too much about getting it graded. I don't think it's worth $50 to get someones paid opinion on this one. Chances are that the grader will damage it, that it gets lost in the mail or that you end up with a grade you don't want: they are human and makes mistakes, too. Lots of examples of that on this forum. Everyone can see that this is one beauty of a coin and as it looks to me (not 100% sure as the picture isn't optimal) this is one beauty of a coin that might indeed give a shot at an MS-70.



















