Quality brands and additional detergents are unrelated to the octane choice as the Top Tier designation requires the detergents to be added to all grades.
While higher octane prevents detonation in high compression engines that are designed for it, in engines that are not designed for it, you don't get that benefit as you won't be getting detonation even with lower octane.
Hence the question... if our motors are designed for 87, why run premium? Does anybody here run regular consistently? Has anybody experienced knocking with 87 octane?