It all depends on three things:
If you have a portable computer that is constantly moved to different working areas or kept in a specific place.
If you manage multiple accounts with different passwords and / or different or profiles.
If you have the need to encrypt backup data and personal information.
If you answered yes to any of the three cases then you need "ESET Smart Security Premium"
For me all those extra features would never be utilized, so it would be pretty pointless, but it all depends on what your needs are. I have roboform and SphShelterFW, so Smart Security Premium would be redundant.