I don't know much about using the 10" coil since my Tracker IV has the stock 8" coil (and the 4" nugget coil). Nonetheless, I wouldn't expect to find too much silver with it as the Tracker seems somewhat limited in depth for silver and the good stuff is generally fairly deep. For gold, it's not too bad.
The biggest flaw with the Tracker is the lack of a threshold tone. So, the received signal from the coil has to be strong enough to break through the "squelch".
Speaking for myself, I never found anything but clad with my Tracker. A friend's first silver came with the White's Vision/Spectra V3: a standing liberty quarter at 12", a depth that the Tracker can't come even close to.
My intent is not to flame the Tracker as it's a great detector for the price and is fairly sensitive to gold, but a deep coinshooting machine it's not. Since it lacks a true pinpointing function this is probably a good thing or else you'd end up with excavations trying to find the coin...
The way to run the Tracker is with the sensitivity knob up as high as it will go without causing "monkey chatter" or a lot of false signals. In my case, I can usually run sens at 3-o'clock, but the ground around here is generally low in mineralization and I have the 8" coil.
As far as disc is concerned, 3 o-clock definitely seems a bit too high. I agree with bossman and have only this to add: Try running where nickels just start to change to the "junk" tone, then back it off just slightly. You'll dig more trash, especially pull-tabs, but it gives the best chance on gold and old nickels.
Also, check out my post about the trimmer pot inside the Tracker...
Have you ever done any in air comparison tests between the 8" stock coil and the 10"? I'm interested in how much depth you were able to pick up even though an "air test" is not really a good measure of detector performance. Nontheless, depth increase in air generally corresponds to a depth increase in low mineralized soil.
Cheers,
john