Honestly 10% to turn cash into No-KYC BTC at an ATM is worth it for me. But I usually see a 2-5% premium on Bisq / Robosats.

For me it doesnt matter, ill make it back with leverage on the first trade and then some. For holders and DCA that might have an effect but i store long term in private addresses and look at it maybe after 3 years.

Using Robosats or Peach or Bisq allows you to put your own orders, the charts in Robosats shows the action mainly between 2% and 6%

I always suggest to put your own order with the slippage you find fair, it may take a bit more time but in my experience there is always a taker, I have used, depending on the amount between 0.5% to 2%.

If you are in FOMO mode... You will probably fall for the greed of the 5% offers