how long it will take until that bitcoin lending on your wallet?
i think high fee make it faster than your costum fee. actually i usually using recomended fee
What usually determine the time a transaction will be totally executed is but as the topic says, some people are scared that their transaction might be stuck which lead them to paying ridiculous fee
The status of the mempool with the level of the transaction fees used are what determine a transaction are totally executed but here's different between high fee and ridiculous fee and people who dont or check the status of the mempool before setting a high fee will definitely pay crazy fee as the OP said.
Which is why electrum wallet is the best in sending cheap transaction cause all you have to do is
download>Install>to Tools>preference>Fees under the fees estimation set it to mempool which will allow the wallet to send all your transaction base on the mempool status.