It's all premium, brand names can make a big difference as does rarity. I would go with the Philharmonic any day though, why pay VAT if you don't have too? Unless you desperately want that particular bar...
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I think it will be the Phil indeed .
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Meanwhile in Canada, any silver or gold less then .999 is slapped with a VAT; US & CAD junk, flatware, silverware, jewelry etc.
Bullion that is .999 are usually not with an exception is that the product is a coin collected for numismatic purpose is a new one and subject to Provincial Sales Tax.
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To avoid the VAT here it's gold in general or silver collectibles.
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