That's a problem then. Especially when you need a tx to get confirmed quickly. I usually do end up sending with higher using same ETA and block explorer telling that I paid like 400% higher fee.
You can reduce such occurance by reducing the ETA. I use mempool mainly and go for 1MB when I need it urgently.
I'll try the mempool option next time. I couldn't understand what it meant is why I didn't give it a try. So 0.1 MB from tip means it will get picked up as soon as possible? like in next block and 0.2 within 2 blocks?
Nope. Each block theoractically can accommodate 1MB of transaction. It simply means whether your transaction would be confirmed within the next X mb worth of blocks. It isn't accurate as with any fee prediction but it is a different way to present things.