I ran premium in my 470 (different engine I know) during COVID when it was <$2/gallon. I switched to regular 87 when gas crested $2/gallon and the $0.50/gallon extra cost just wasn't worth it. My 470, when stock, did have slightly more power on premium and got slightly better gas mileage. I actually don't think it's due to the octane at all, but due to 87 here in the Midwest always being 10% ethanol (thank you, ag lobby....) and premium being 0% ethanol (which is why I run it in my lawn mower, leaf blower, etc, as ethanol is very bad for small engines). Ethanol has a lower energy density than normal gasoline, so slightly reduced power and MPG should be expected.
I've since added headers, an exhaust, and CAI on my 470 and it was much more power on 87 with those mods than it ever did stock on 91. I also routine tow a 4,000# loaded camper with my 470, with my family of 4 inside. All on 87, no issues. IMO, save you money for something else, but premium is not going to hurt anything either. The 1UR only has 10.2:1 compression....our Highlander has a whopping 14:1 and runs on 87, a past Mazda I owned had 13:1 compression and ran fine on 87 as well and were factory-specified for it.