This isn't hard. I don't know why people can't grasp this simple concept. As a buyer you are paying what you pay. Whether the AH calls part of it a premium or not is meaningless. They could charge a 50 percent premium and it comes to the same thing -- just factor it into the bid like (almost
) everyone else does. If you win a card and your out of pocket is 100 dollars, what do you care if they called 20 of it or 50 of it a BP?
The one it affects is the consignor, who only gets the hammer price.