While I fully understand your sentiments, your options are limited right now in my opinion.. As it is you have a limited window of departure in a super-peak period due to Durga Puja. If you rely on Tatkal and then dont get it then you will face even more issues because Premium fare would have gone up even more by then.
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Just my suggestion that this premium option does not look too bad if you are mentally prepared for a 3-4 hour delay consider the Premium fare right now. If you want...
more... to take your chances with Tatkal then you are most welcome, unless some other experienced member here can suggest some other alternative.