The performance by using 98 would not change. The general census of opinion is that the higher the octane rating, the more performance. This is B.S. High peformance engines running high compression ratio, or turbos need higher octane ratings to reduce the risk of engine damaging detonation. If you have a normal engine for the average family car, then 95 is adequate. But for our Golf GTI's, although by todays standards have pretty mediocre power outputs, they are still high compression ratio engines and benefit from higher octane rated fuels.
In days of leaded petrol, tetra ethyle lead (TEL) was added to petrol to increase the octane. 100 octane which equates to about 6 or 7 star, is used for most light aircraft with 130 octane being available for high performance piston engined aircraft or high altitude planes. TEL has been replaced by another anti knock agent for todays lead free fuels.