You can buy small amounts with no premium at all, or a very small one, through some peer to peer methods without KYC, like Bisq or Robosats, etc., so that only your peer get to know some personal data (your @tag or id on your payment system if you use something like Revolut or PayPal, your account number and your name, or your face if you buy in person, etc.).

If you do fiat cost average and keep getting small amounts all the time, you might even get it even with a discount (a negative premium) sometimes. Ultimately it all comes to offer and demand, that is, the need or desire that you and your trading counterpart have to carry out the trade.

I most of the time keep a couple of trading offers for small variable amounts (so that the seller can chose the exact amount) with a 0% (or close) premium, which seems to work acceptably well, in my opinion.

1% is OK and it should be capped at a particular amount. Imagine letting go of 1% of a BTC as premium? That defeats the whole idea of lesser fees.

I normaly pay 4% premium for non-KYC. Anything more than 5% it's absurd.

I don't know why this isn't inverted.

People selling Bitcoin for fiat should be paying a premium to keep their gains "off the books" and avoid capital gains tax. Non-KYC fiat is desirable too you know.

If both parties are benefiting (avoid CGT and non-KYC), then it should just be a wash and the price is regular market value.

There's no such thing as "non-KYC" bitcoin.

1-5% is reasonable in my view, maybe up to 10% occasionally if absolutely necessary.

Depends on the method and convenience. If I am selling 20% :)

3%

I don't even know what premium means,this is the problem with lightning and bitcoin,not enough explanatory videos/links for laymans terms...everyone thinks and talks like their all fucking geniuses not considering not everyone speaks their English Evil language