Octane rating is less of a factor with modern cars as it was in the muscle car era.
Part of the powertrain management system is a knock sensor. This sensor "hears" detonation way before a person does. It is a piezo-electric crystal which is tuned to the vibration that is produced by pre-ignition. The use of a lower quality fuel than is specified may cause pinging, but the pcm will detect it by the knock sensor and retard the ignition timing to compensate for it.
If the pcm needs to retard the timing, you may notice a decrease in power, depending on how much of a timing change is required.
Retarded timing = lower cylinder temp = less pre-ignition (detonation, knocking, pinging, w/e you want to call it)
If there is no/little noticeable power difference, use the lower octane, you will not damage your engine.