That's a good point, how much you save also depends on how much you send, when dealing with percentage based fees. For very large amounts, as you say, bank transfers can still be a better deal. Personally, I find I can optimize my savings by sending anywhere from $1000 to $1500 per month. Past $2000 or so, it tends not to be worth it.

I dream of the day when crypto will be a universally accepted payment option everywhere. If only Amazon.com would start accepting it, I'd pay that way all the time!