For what the owners manual is worth, it does not say any of the things you assume. It does say that the engine is "
designed to meet all emissions regulations and provide satisfactory fuel economy and performance when using high quality unleaded gasoline having an octane range of 87 to 89." In other words 87 is fine to use. It does not say that the truck will struggle to retard the timing and you are destroying your engine using 87. If yours says that, please put it up.
It goes on to mention at the end that 89 is recommended for optimal performance. This being better than satisfactory performance in some way. Two points is not much difference in the gasoline world. If it was, race fuel would be 94 octane and call it good. As you know it is much higher because the detonation happens much earlier in race engines.
You are far overthinking a mass produced vehicle made to meet the different driving habits and conditions from grampa at sea level in Florida to Jonnie Hotrod in Denver. It covers a pretty broad spectrum.
On a forum you hear much more negative griping than positive talk. Most come just to find answers to problems. I would believe that yes, .00001% of the trucks produced might ping or have a need for 89. It is probably good if towing a load. The pcm likely adjusts the timing to accommodate this. If normal day to day driving is ok on 87, then everything is good using it. You can rest assured that the world will not end if you use 87 octane gas.
If you want to spend more on 89 because it gives you the warm and fuzzies, do me a favor. Please use ExxonMobil as this is the energy stock I own the most of.