It's less hassle until you replace. Then you just have to pay attention to what you replace them with. You can even decide against offset at that point. No big deal.
Also in Indiana. You have more will power than me. Still driving on clear sunny days. As a note, I went to a body shop and they found the paint code and mixed up a touch up pen for me.
I'm averaging almost 21 mpg using 93 around town. Better than i hoped but I don't drive it much. With the high compression, I'd advise 93, even if 87 is 'acceptable'.