If you don't have dogs or rug rats putting nose/paw/hand prints all over the paint, I doubt there's all that much difference. If you have to wash walls and trim all the time, you'll find the premium paints last a lot longer and are much easier to clean.
Europe still uses oil-based paint where they expect the surface coat to last 15 years. In the US with latex paint, people repaint much more frequently.
I use Benjamin-Moore Aura. It wears well for a latex paint. Easy to clean. Mildew resistant.