Exactly. Premium? It's slightly too dark and I would not have bought it. And yes, I have paid up to 10x (?) price guide for a nicely toned coin. @jfscmedic you may want to watch out for lighter toned coins, they're out there ;-)
It's not just about the toning, it's also about luster, strike, bag marks, etc - that's why this coin is a 66 and not a 64. A coin with dark toning usually doesn't have such a great luster.
I agree with you on that, higher grade of course is always better. But I thought we were just talking about toning here? lol