rpps -
Here in the good old US of A, we generally do not have access to 95 octane fuel. The best at most pumps across the nation is 93 octane, which is at least 20 cents if not 25 to 30 cents more per gallon (silly how we stubbornly refuse to nationally convert to metric...). I drive a 2010 Forte SX 2.4L with the Sportmatic 5-speed automatic transmission.
For whatever performance gains we might get from the increase in octane (as the Forte line is NOT designed for higher-octane fuel), it isn't cost-effective considering the increased price we'd end up paying for a full tank of gas.
Now.... at one time I had a 1988 Chrysler LeBaron GTC Coupe with a 2.0 Turbo with a 5-speed manual tranny. 93 Octane was REQUIRED in that engine, as it had a higher compression ratio than the non-turbo. Using any fuel LESS than the 93 octane caused pre-ignition, which the knock sensors detected, and resulted in the engine management computer retarding the spark, which would stop the pre-ignition, and then result in a lot LESS horsepower delivered to the wheels.
Just to refresh everyone's memory: Higher octane does NOT mean MORE POWER; it provides higher resistance to pre-ignition. If YOUR engine does not REQUIRE higher octane fuel (like the entire Forte line does not), then using above-87 octane won't do much but lower the amount of cash in your wallet faster.
Perhaps one day I'll go wild and fill my tank with 93 octane. As the SX has the instantaneous MPG gauge function, I'll be able to see any performance difference quite quickly. At the end of the tank, I'll switch it to average MPG and see if 93 octane has made any difference. If I should suddenly see a 3 to 5 MPG INCREASE, I'd be sure to do the math and see if it's worth it in the long run.
All of us can try doing this. Fill up with regular, drive it a FULL tank's worth, then fill up with 93 octane, and do the same thing. If you see a major performance difference, or major MPG difference, write back in this thread and let us ALL know. Be sure to include your model, engine, and transmission.
Just my humble thoughts....