Terry, I take issue with some of the points that you've raised. First, it's a fact that major gasloline suppliers put more detergents into their premium grade gasolines than their regular grades. Good examples are Shell and Amoco. More detergents do help keep engines cleaner (don't know about helping to clean up dirty engines). Now, gasolines differ markedly in terms of composite makeup from region to region, but the detergents stay the same.
However, regarding the anti-knock grading of gas, there is a detriment to using gasoline that is of low octane quality which forces your ECM to retard timing. And that detriment is not just "less power," or "worse mileage." It's the fact that when the ECM has to retard the timing, there is unburned fuel vapor that stays in the cylinder, washing the cylinder walls and piston ring lands of oil and causing piston temps to rise. This, naturally, increases wear on the piston crown and the top of the cylinder, not to mention any problems that might occur when there is predetonation.
To all who post on this board and say that they get along just fine on regular gas when the manufacturer recommends premium, I say are you listening for predetonation? Do you know what it sounds like in your engine? Or are you driving around with the radio blaring (like most of us)? Because if you aren't listening for predetonation, then you really can't say that there is no difference in your car between regular gas and premium.
None if it really makes a difference if you're only planning on keeping the car for 2 years, or if you lease. But if you're planning on keeping your car for a while, remember this: ECMs are NOT designed to combat predetonation caused by deposits. They'll retard the timing to a certain point, but if you have hot deposits in a cylinder, you can still get knocking if you use 87 octane gas-simply because the computer will only retard the timing so far. And that's bad for your engine, and the longevity of your car.
Personally (and, of course, this is just my opinion), I think that everyone has the misconception that if the engine has a computer, there is no way that the engine can knock. That's bullcaca. Use good quality gas, listen for predetonation, and protect your $20000.00 + investment by using a gas that has an adequate octane grade!
fitz