Good question. First, let me say I am one of the question askers in this thread, so take my opinion for what it is.
Secondly, I only give myself $100-$150 month to spend, so 10 oz. bars are out of my equation from the start. Sure, it would be cool to own a couple of them.
My approach has always been to get a round and bar each buy, both an ounce each. Recently I have started dabbling in older coins, Morgans, and I bought a roll of war nickels. So my approach has been changed slightly.
My goal from here til the end of the year is to purchase a Silver Eagle and a bar, until I reach (20) 1 oz. bars. I would like to try to acquire an Eagle from each year dating back, starting with the 2012 I purchased last month. Of course, I will probably jump forward to get the 2013 next month then start dating back. Then use the extra money each month to acquire some Morgans, Peace, etc. from my recently discovered local coin shop.
Next year, I will reassess and go from there.
So, all that said and not a single answer to your question.