My experience is that the upgrade to Premium is mostly bells and whistles.
Try this experiment: Buy the disk/download version of TT Deluxe and install it on your computer and prepare your taxes.
Now go to https://turbotax.intuit.com/personal-taxes/compare/online/ and do your taxes using Premium online. You don't have to pay until you file. Compare the amount of taxes owed between the two versions.
When I did this the amount I would save using Premier was less than the cost of the upgrade.
