If you use 95RON over 97RON, you loose a little BHP and Torque, MPG do not suffer much as the KNOCK sensor retards the ignition timing so no 'pinking occurs'. Here in Ireland 97RON is hard to come by as in alot of european countries so the GOLF GTI as with most cars will run just fine on 95RON, no damage will occour. The owners manual for all makes of car state the fuel type, The best example I have is the focus RS, it will NOT run on 95RON as it has no KNock sensor, if you do run on 95RON, in about 10,000 miles you will need a rebuild, NOT so on the GOLF or and VW/Audi group car.
NUFF SAID!!