Now a days the questions is... do you care for the top performance of 91 for your suv? If not put in 87 save the money and enjoy.
The trouble is there is no real-world evidence of any performance delta. The trucks don't last longer, travel farther, or make you look better. Nada. So if the equation becomes 87 performance = 91 performance and 91 = top performance then 87 also equals top performance.
I think everyone here gets engine theory. The potential benefits of octane is proven science. What is unproven is that there is any measurable improvement in the 3UR. It's all theoretical improvement. You can be theoretically correct all day long but if it doesn't provide tangible results then it's not a theory worth worrying about.