I have a 2010 FX35, It had 38,000 on it when I got it in 2013. I now have 84,000 on it and have NEVER put a drop of anything over 87 octane in it.
My theory and it is just my own unprofessional opinion, is that premium is necessary for max power, climbing under load, towing.
I do none of this. I live at sea level do not climb hills, or tow, and don't "put my foot into it". Even those rare occasions where I need
to excelerate I had no ping or knock. I do put a can of Seafoam in the tank every couple of months to clean out the injectors.
Don't say everyone should do this but in my case it works.
On the technical side the engine has knock sensors that tell the computer to retard the spark, which stops the knock but yes reduces the power.
I used to drive a C-5 Corvette and always ran 87 on the highway where the engine was making 80 HP. But on the track always ran 93 where full power was needed.
Yes 8.00 a tank extra is not much but I worked for .75 an hour once and can't spend money that I feel un necessary.