I've paid easy up to 20% if you factor in the fees from the fiat on-ramp i'm using like PayPal, lol its painful but I feel having a non-kyc stack is worth it

If I do see 3-5% premiums I usually jump on those, the other day someone was selling for 0 premium on robosats managed to bag it, said he was a first time seller, major score for me lol