AH Buyer's Premium

[Klrdds]

With all the talk about auctions that end at ridiculous times ( after 3-4 AM ) and over-inflated shipping costs for items, and with many auctions now with great items in them and whether max bids can be trusted ...How much does the AH's buyer's premium affect your bidding ?
Do you factor it in to the amount you will bid on an item or does it not matter to you ?
Before the 15% BP I never cared about what I paid for an item if I wanted the item I just got it, but the 20% BP changed my bidding habits by me now factoring it into the total amount I am willing to pay/bid for the item .