Pool fees: what are you actually paying all-in?

Between the headline fee, payout thresholds and FPPS vs PPLNS maths, the real cost is murky. What's your all-in estimate?

Around 2.5% once you count payout friction, on a 2% headline fee.

PPLNS with a loyal pool has worked out cheaper for me over a full year.

The hidden cost nobody counts: stale shares on a bad connection.

Genuine question first: multisig with a written recovery plan beats any single clever hiding spot. What's everyone else seeing?