I have a close friend who lives in Missoula, mt. who has one big game rifle, in 30-06. He kills at least 1 elk per year and has been hunting at least 30 years. He buys whatever is on sale at his local wmt, usually power points or core lokts. He'd say premiums are not needed. However, for the hunter spending thousands, and coming from out of state, I'd say a premium bullet is a good choice considering the other costs associated with the hunt. One might call it cheap insurance.