Premium tickets don't just come in gold (200 silk), there is a
silver (150 silk) one too ... That is what they're asking about, not a
normal silver ticket (
95 silk) vs a premium. There is no way in hell a silver ticket is gonna be more than a normal gold ticket (130 silk)!
With a silver premium, you get all of the premium bonuses you would with a gold (excluding SP quest), you just get 50% bonus to exp/sp instead of the 100%. If you can afford to add another 5 dollars worth of silk to get a gold PT, go for it. It's a big bonus for "just" 5 dollars.