Regardless of whether or not people have "got away" with running 95 octane fuel, isn't really what the OP is after I suspect.
Yes... the ECU will adapt, but it can adapt only so far. The only way you'll know is by logging the ECU. Finding out how much ignition retard is being "learnt" and whether or not the ECU is able to handle this, without any form of continued detonation.
I'm sure the tuners on here will be able to add further context, as to what they have seen on the ECU, and how far it can calibrate itself as stock.