I happen to have that amount of Pt in physical. See no reason to trade into paper. I keep my physical for long term discrete savings, only reason to trade in would be to spend on things I need, like a house, or perhaps in retirement, to pay for daily expenses. For paper trades, I use current income and other digital holdings. If you need to turn physical into the digital form for trading, it looks like your income may have gone down, and you blew away much of your other forms of savings/investments, in which case maybe best not to be a trader, rather concentrate on building your wealth back up, then use future digital savings for trading. I buy physical only when I know I can hold for a long time.
“Of all the contrivances for cheating the laboring class of mankind, none has been more effective than that which deludes them with paper money.”Daniel Webster (1782-1852)