I dont think the premiums are based on usd.....the higher btc goes, yes the higher (usd) premium that btc is but then you will have higher interest (demand) where the supply is capped. So who knows but i think btc exploding would only increase the value, but then again its the btc world so i dont think anyone knows what the future holds....
I think you'd have to be all the way down the rabbit hole not to care about the USD equivalent. At present I'd happily part with a few hundred extra dollars to get my mitts on a nice coin.
Let's say you'd pay 2.5 BTC for a silver 1 BTC coin today. $1000 or so on top of the current BTC price which is significant but manageable.
At 10,000 that becomes a $15,000 premium. That's a large amount to give up and premiums will always be speculative and illiquid to an extent.