Using 95 or any other lower octane fuel than recommended isn't a ploy by manufacturers, but simply saving your engine! Lower octane fuel won't burn as completely in an engine designed for higher performance. As a result, coke deposits will build up (especially on the spark plug cathodes) which will on a high load drive retain heat and glow red hot. This can pre-ignite the fuel and result in multiple pressure waves (which is also what produces the characteristic 'knock') within the engine, destroying the nitrogen layer between the burning fuel and piston crown that exists in normal conditions. With no nitrogen layer, the burning fuel hits the piston and blows a hole in it in moments.
This is all over a large distance (thousands of miles), but I still wouldn't recommend 95 unless you have no option or it is occasional. As for adding octane boosters, I don't know. It may negate the low burning temperatures (relatively) but I don't honestly know.
My 5 cents? Don't do it man!
Source: I work for Ford at their UK R&D facility
Well worth knowing this is....but you will be suprised the amount of people than run performance cars, including uber good ones like RS4's and M5's with this crappy fuel. Yeh yeh i know those cars are non turbo but still, my mind boggles at the thought.