Besides the huge difference in price between RON95 and RON97 here in Malaysia, is there really any difference to your car if you use one over the other? The short answer: no.
For most cars, you will only ever need to use RON95 petrol. Modern car engines are able to detect any premature combustion from a fuel with a lower octane rating and adjust the timing accordingly. At the very most, this would lead to an imperceptible drop in power.
Thus, high-performance cars would get the most out of their powerful engines with a higher octane fuel, but there is no detriment or possibility of damage from using a lower octane fuel – as long as it’s above the minimum octane rating provided by the manufacturer.