I do have premium, have had it for a few months now. I was very hesitant, I'll be honest. First there's the cost ($7.99 monthly or you can pay yearly ... but I'm superstitious so I pay monthly). Then there was the whole thing of the site supposedly being free, and this just seems like the first step to complete pay to play.
Then the banner ads came ... and I was unhappy. Then the huge bannerzillas arrived and I had to make a choice - go premium or quit (firefox just won't work right for me and why should I have to change browsers, etc. for one site). Quit because I'm on dial up and those banner ads really DO slow the site down. Also the tracking cookies, adware, etc. are a concern to me. Lastly because I do have physical problems and the moving, flashing, blinking things were just too much for me to handle.
So there was an opening and I joined Premium. I only have the portal and the email. I don't have the toolbar or the ISP.
The good:
No ads - top or bottom. The site runs so much faster for me, and it's so much easier on my poor eyes and head (and computer).
The premium board for the most part has wonderful, helpful people. This will probably, unfortunantly, change once it's released to everyone but for now, it's great. And there are a couple of wonderful staffers who do post there to help us or try to clear something up.
The email - I only use it for corresponding with other premium members - I'd NEVER use it for regular email. My friends already think I'm crazy. But it is nice to be able to, say, send someone a css code without having to worry about the filters being triggered or just talk about something *gasp* non-neopets related and getting a warning or frozen.
The space faerie scratch card - though I've only ever won 300np from it.
Beta testing games - no np for playing, but if there is a new game we get to try it out first and send in bug reports or suggestions.
For some reason, I like being Stealth.
The Bad:
It is expensive, IMHO. I wish it cost less.
You can only have it on one account unless you either a) pay for it on another account; or b) get the ISP for (I think) $15 a month - then you can add your other accounts (I believe 2).
If you pay yearly (or monthly) and either quit, change your mind, get frozen - whatever - you don't get a refund.
The perception of non-pm people who seem to think that all the pm get some sort of special treatment - we don't. Like, I've seen boards where people are complaining because they've been frozen for something and start ranting that if they were premium, they could just call a number and get unfrozen. That's not true. There is a phone number - but that's tech support for the portal, nothing more.
The So-So:
The "special" avatar that you get when you sign up is the Neomail av - which alot of people already had and just about everyone did get.
More RE or SHH - I haven't seen any real increase in either.
The site works the same way whether or not you have premium. If it's lagging, there's a glitch, or the dfm page comes up - it happens to everyone whether you pay or not.
Is that enough?