The 100 won't ping, but you'll have to use more accelerator up the hills and from a dead stop, so that cancels your gas savings. When I went from 87 to 91, it felt a lot more peppy. On 87 in the hills, it's definitely anemic (this is with 300 lbs of passengers incl driver, no other weight)...I'd say slower acceleration than my 20 yr old 4-cyl 4runner with the same load (heavy and underpowered w/ ARB/Kaymar/sliders, modified exhaust). If you're driving on a flat freeway at a constant speed, I don't think you'll notice a huge difference unless you try to pass someone, or are carrying a bunch of passengers/gear. But if you're worried about a $4-5 difference per tank between premium and regular, shouldn't you consider something like a prius as a commuter? I only use the 100 on the weekends for R&R, so if it gets only 15mpg, it doesn't bother me, as I'm having fun with it. Isn't this what it's all about?

Last thing I want is to think about is the "cha-ching" of the cash register while driving...