The multiple you'll pay for a full-fare ticket as compared to an Advance ticket varies by origin/destination, but I've seen some very high multiples. The difference can be horrendous. It is smart to look at fares for the trips you plan to take as of tomorrow to get an idea of the maximum you might pay (though of course if your travel date is around the time of a holiday weekend, it could have higher last-minute fares than you see for tomorrow). If the numbers don't make you freak out, you can relax a bit.
One example: There's an 11:33 PM train from London to York tonight (leaving soon). The fare is £123.00. Three trains early tomorrow morning (7:00, 7:06 and 7:30 AM) cost £143.00. How do you feel about those fares? I'd choke if I had to pay them. Looking later in the morning, I see one Advance ticket for £48 and a bunch for £58 or £59. Better, but looking at a random date in late May, while I do see many departures priced at around £90.00, there are also some Advance tickets priced as low as £10 or £15.
To me, the difference between £10/£15 and £48/£59 is huge, not to mention the over-£100 fares.
I do not claim that all trips will have such a huge fare gap, but it is not uncommon.