Fortunately, I haven't seen anyone on the medium bore forum where I spend a good deal of time say that a premium was "needed" for Deer, at least in Deer calibers in quite some time.
We did have a guy a couple of years ago claim that he could not kill a fawn Antelope with a 150 gr. BT from a 7mmRM @ about 125 yds. & had to finish it by shooting it in the head with a 45ACP, even though I saw no hole in the head from the 45. I called his hand on it & created quite a stink, but I haven't seen anything that outrageous since.
Besides, the hunting BT bullets are second generation, with the later having thicker jackets & the newest 180 30 cal. has a pretty thick jacket. I killed 25-30 Deer with my 30-06AI with the 1st. Gen. 180 BT (red box, said solid base Bal. tip) & they were violent, but always penetrated enough & killed fast. I shot 2 last winter with my 300WM with the newest 180 & damage was very minimal & did the job well. That 3000fps baseline was in place before some of these jackets were made thicker & for example in 30cal the jacket for the 168 is thicker than their 165, so why would the impact vel. max be the same? It's just a guideline, but also Nos. can advise their premium then. Keep in mind, we are talking about Deer here.
However, if a premium bullet, E Tip, Accubond, TTSX, etc. shoots better in your rifle than any cup & core (I have 1 that does that) or you want one load for bigger game as well as Deer &
you have a great allround load, then why not. 1shot's load is a very good example, he does not need anything different for Coyote to Moose.
Shot1, you may have a point concerning the 120BT at 3600 however, I don't know as I havn't taken anything with a 120BT at that speed, 600FPS over Nosler's baseline may get hairy, I know 3300 with a 115BT in 25cal. is a bad boy, but 3600 is up there, I understand your caution at least.