95 or 98 octan

Hello together, I drive a V70 II with the 2.4 T engine (200 hp). In the boardbook it says that I can refuel 91, 95 and 98 octan. 91 I let it be, is certainly too little. Since I live near Switzerland, I give my Volvo 98 octan (about 20 cents cheaper than 95 octan in Germany). Sometimes I also have to refuel in Germany. Since I don’t hold anything of the 100 octan fuel, I either refuel 98 octan with a free tank or 95 octan brand gasoline. Are 98 octan really better for the engine or are 95 completely enough? I drive a lot of city traffic and motorway with Tempomat at 180 km/h. Greeting Roland