I've seen premiums as low as 3% in average. I really don't think we have any reason to overpay more than that, unless there's literally no reputable buyers/sellers that sells at that percentage.
I can see, that Binance has got the best deals… but what if One is located in country that is in Binance’s excluded list of regions? Are there any work arounds?
Use no-KYC exchanges and probably use a vpn.
https://localcryptos.com/https://hodlhodl.com/https://bisq.network/