Well from a technician's standpoint- I don't see either choice causing any serious issues for most of us on this site. Yes, the 1300 will adjust to most fuels. Notice Honda suggests (doesn't require) higher octane fuel. For max. power and efficiency, higher octane fuel should be used. I highly doubt any damage will be done by running 87 octane. In comparison, if you run ethanol fuel, there is a good chance of gumming up the pump, injectors, or fuel pressure regulator if the bike sits for a long period of time. But how many of us on this site let our bikes sit?
I pick the lesser of the two evils and run premium fuel whenever its available. The station closest to my house only has 87, so if I need fuel when near home, I don't lose sleep over running 87, but I try to avoid it if possible and convenient. Running premium gains me a few mpg, so the mpg savings pays for the extra cost at the pump- so there is really no reason to run 87 if I can help it.
Jim