The antonym for the phrase "most nickel-and-dime" would be "luxurious" or "extravagant." While "nickel-and-dime" generally refers to something that is cheap, of poor quality, or of little value, "luxurious" is the opposite of it, suggesting something that is of very high quality and expensive. For instance, a luxurious car or a five-star hotel would be seen as the antonym of most nickel-and-dime things. Similarly, "extravagant" suggests something that is excessive or lavish, standing out in sharp contrast to cheap, low-quality things. Therefore, if you're looking for antonyms for the phrase "most nickel-and-dime," then "luxurious" and "extravagant" are the perfect words to use.