I think there is a slight difference, but the main thing about the premium is that you can change the font.
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Agreed. I have both a Lite and a Premium, and when the Premium is on default they sound virtually identical. But using the power button on the V4 you can toggle between several pre-set sounds, customize them on the computer as you see fit, and honestly the second-most-used sound font on my V4 is 'mute'. :-)
So if you can swing it the extra flexibility is worth it. But as I said, I have Lite cards because, well, $$$
