I have exclusively used Shell V-Power 93 octane gasoline in my 2007 Honda Civic since the first fill up. Shell V-Power contains 5X the EPA mandated detergent additive content, compared to 2X the mandated requirement in their 87 & 91 octane grades. I have not seen any other brand of gasoline make this claim. Chevron states that they add the same amount of detergent additives to all three grades of their gasoline, but how much do they add? Does this mean that they add just enough Techron to meet the EPA mandate? Who knows, because like everything else it is hard to interpret slick advertising claims.
In the end, 93 octane gasoline burns at the same rate as 87 octane gasoline. The 93 octane gasoline resists detonation better than its 87 octane counterpart, which means that it is less likely to ignite before the spark plug fires. The only other real difference are the chemicals used in the blending process. In general, some of the material that ends up in 87 octane gasoline cannot be used in 93 octane gasoline. It has always been my understanding that using 93 octane gasoline in a well maintained engine that was designed to use 87 octane gasoline will not lead to incomplete combustion or additional carbon buildup in the combustion chambers or valves.
Most modern cars come equipped with "Knock Sensors" that will automatically advance or retard timing to compensate for fuel quality, including the octane number. For example, the manual for my Civic LX states that it should use 87 octane "or higher" fuel. Using 93 octane does not cost me that much more, since I typically fill up every 3-4 weeks. An extra 25 cents per gallon will add a whopping $45 per year to my fuel bill.
Do I really "need" 93 octane, no. Is it hurting anything other than my wallet to use 93 octane, no as well.