I called my dealership to talk about their new models. I was surprised to hear from the sales person that t5s (and B5s) are ok to go with 87 octane fuel. He told me he has a T5 and he never puts premium fuel in his car. I thought another sales person who doesn't know his stuff. I know the owner's manual says all volvo engine require high octane gas but than googled and found this:
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Volvo S90 Frequently Asked Questions | Crest Volvo Cars
Now my question is what is correct? Did I waste my money last two years by paying always for premium gas?
Some of the sources are saying you only need premium fuel for t6 or t8 and for t5 premium is nice to have. I thought T5 and T6 are the same engine with different software settings?
I know they are tons of threads about this topic but it seems there are contrary official information out there. Thoughts?
Assuming your Volvo is rated for Premium gas (which I believe it is, but your user manual and fuel-cap door sticker will tell you for sure):
a lot of people say "the computer will adjust engine performance to accommodate to the lower octane". True, but the way it does it is by using the knock sensor. In other words, your engine starts knocking and then the ECU decreases performances (by delaying injection and/or ignition timing usually, maybe also lowering turbo boost if feasible). And knocking is bad for your engine. So I don't recommend it (although once in a blue moon is unlikely to hurt anything).
Also, engines are calibrated using the gas they're rated for. A back-up engine map is built for lower octane, but engineering will not spend as much time and efforts to develop it as they do for the optimal map. That can result in your engine not running as smoothly, but also some not-so-good things happening, such as burning oil
(some VW turbocharged engines especially are very prone to that), building up soot, increased fuel economy, and also dirty emissions (the last point may not be people's primary concern), and also your automatic transmission holding gears for longer (since low RPM and high load is the scenario most prone to knocking).
At my local Costco, Premium is 17% more expensive than regular. Your fuel economy on regular may not increase by 17% but it will increase some
(I don't have figures for this one). So your net gain will be lower than 17%.
Long story short, I'd avoid using regular gas in a premium-gas rated vehicle.
P.S.: I have a Master's degree in Automobile engineering, with a focus on powertrain development, and I spent a year working for a leader in engine development, doing engine calibration for OEMs (not for aftermarket/tuning; but for the "real" car and truck makers).