my wife's escape, which has the same engine, only gets 87. its never had an issue, and nobody ever notices the drop of 10hp (or whatever it is).
saves 12% on my fuel bill.
however if you are frequently using high hp, like racing, or towing, or mountainous passes, then maybe higher octane can work for you to reduce knock.
it will to high/low octane almost instantly, so you can run 87 all the time, and then just before you do some performance driving, put a tank of high test in.