That assumes you're getting knocking though, if the car is standard and properly set up for 95, you wouldn't need higher octane. If a car doesn't knock at all with 95 fuel, the benefit of using anything above it is non-existant.i just explained how.. the ECU uses knock sensor to figure out where optimal spark timing is, and so the ECU adjusts and fires the plugs at that time. I'm sure the worlds motor industry aren't too keen on being represented with such big sweeping statements.
exact spark timing will allow for more efficent burning, better fuel usage and more power.
Not sure about running temperature lowering to be honest - if it's true, will have a think.