RE: Who here uses Bitcoin for regular transactions (not trading)?
If you manage your own privkeys and don't worry about the amount of blocks before your coins are confirmed, you can send for very cheap rates.. especially in the middle of the night.
Odd, but you just have to watch the fees. You can see the current fee stack and mempool load by checking this website
It all depends how many inputs you are consuming which therefore is in direct control of your transfer size in KB which is what determines your fee.
So if you use coin control features, and select only 1 input for your send.. then set a manual fee of 0.0001124 BTC/KB (which are currently confirming no problem), your send will be less than .00002 for ANY amount of coins sent.
Keep in mind, the ONLY thing that matter is the amount of inputs you are consuming. More inputs = larger size in block = higher fee
EDIT: The fee I calculated there is $0.08. 8 cents. I think most people can afford 8 cents to send any amount of money.
With that being said, I send BTC a lot with very little fees. You just need to know what you're doing.