I have decided not to continue paying for the premium membership. The reason is the policy of allowing players to steal from other players. I had half the telvar stones given to me recently stolen as I raced to the bank to deposit them. If ESO were to stop allowing players from stealing from other player, I would pay for premium membership. I have also seen armor that was locked disappear no doubt to thieves.
I know that my vulnerability to thieves will continue. In fact without a craft bag, I may be even more vulnerable. At least I won't be paying real money to have items stolen from me.