I can't find 93 here in California, so use 91 Premium in my car. I assume that folks use the 93 in other parts of the country.
My opinion: if a car requires 91, then stick with that rather than going to 89, or worse yet, 87. For a car that is designed for 87 or 89, then using that lower octane is probably fine.
Yes, in theory, the engine management computer can prevent serious knock and damage when using lower octane, but till the knock sensors kick in, the correction does not happen immediately. So, what often happens is "silent pinging" with reduced gas which we don't hear inside our well-sealed cars. BUT, this silent pinging is damaging the engine in minute ways and reducing its overall longevity.
Since I keep my cars for long periods, I want it to perform mechanically as close to original new as I can keep it.
FWIW, the looks I don't give a darn about ... so dings and scratches are a "shrug" moment after the first few.
Finally, with my miles per month, and the current difference of about 20 cents per gallon difference between 91 and 87, I would only "save" about $15 to $25 per month
maximum. Why should I bother using 87 when my car manuals asks for 91? If that amount of money was a concern to me, I would not have bought a semi-luxury car.

!
Bottom line: if the manuals says "use premium", do so. If it says "use 87", then stick with 87. Using higher octane than the mftr spec will not really help much from a performance perspective. However, using higher
may prevent the occasional bad gas (and those do happen!) situations from hurting your engine.
Z