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#3
08-08-2012, 07:24 AM
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100% matters - I consider all money out of my pocket (premiums, shipping) as the cost of the card to me.
If the auction house charges a 20% premium, you better realize that your $500 bid means you'd be paying $600 + shipping. And to me, I have a figure in my mind that I'd pay for an item; if that number is $500, then I prepare accordingly (an eBay bid of $500 might be only a $425 bid with an auction house which has a premium). VCP prices include auction house buyer's premiums as well. 
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