This has been covere a lot but here goes again...
Each car is going to be different due to deposits and manufacturing tolerances. Some will ping others won't.
91 is the recommended. A normal car should perform at optimum with that.
However, I like to experiment and also have a level of irritation with using high octane IF it is not truly required. I am not an automotive or fuel engineer so these are just my opinions based on trying things out and reading.
I have run my 2004 LSV8 with 87. It will ping fairly easily but not all the time with 87, it might even knock under hard acceleration. I even suspect that it makes the engine stumble under extreme conditions. Mileage does seem to drop a bit with 87. I would not recommend using 87 except in cold weather, easy going cruise conditions.
I use 89 the majority of the time. I rarely get ping and usually only in hot weather and hard acceleration. My mileage is best with 89. I recall reading several times over the past 35+ years that lower octane burns quicker and gives better mileage, as long as it doesn't ping. High octane fuel is harder to burn and thus will give lower mileage unless the computer adjusts timing to the point where it improves the mileage due to more advanced timing.
I run 91+ periodically, usually summer time. I have no problems whatsoever as far as ping etc. My mileage is a bit less than with 89 tho.
The argument revolves around whether the engine computer is able to adjust the timing enough to prevent knock. With lower octane the computer has less range to work with. In my experience most of the high octane engines I have had are able to adjust the timing enough that the engines ping only under heavy load and hot weather. Ping is different from knock and I have read several magazine articles that say a very light ping under conditions like I describe are indications that the engine is getting the most mileage from the fuel and that no harm is done. If the engine knocks that is a different story.
Most recommendations are to 1) Use the fuel that doesn't ping except under occasional extreme conditions, or 2) Follow the manual and you will be safe, but may be spending more money.
When you look at the cost of gas, the MPG of our cars etc, you really only save a few bucks per year using lower octane. It is up to you whhether you want to be cheap and save maybe $50 per year or belly up to premium pricing.
Unless your engine has severe deposits or other mechanical problems, your engine will not blow up contrary to some opinions. I ran one high octane car for 120K miles on 87 in winter, 89 in summer and 91 in hard hot driving. My LS has about 17K miles on it with me "abusing" it by running 89 most of the time and an occasional tank of 87 or 91.
Your mileage may vary,
Jim Henderson