I'd say it's probably not worth the extra outlay unless you're driving something with a good bit more performance and then you might notice the difference. If there's any gains to be had on a petrol Kodiaq, then they would be very slight and probably not really noticeable in the real world.
My wife's aunt only uses premium petrol in her BMW 320i and is adamant that it's faster because of it, but I'd be amazed if you could actually tell the difference and if you accurately measured it with a proper GPS-based tracking system, then the difference would be so slight as to be insignificant.
As for the water separation issue, then yes, ethanol is very hydrophobic and will absorb water from wherever it can, including the atmosphere, but unless you're storing your petrol in jerry cans before putting it into your car, then this really isn't an issue you'd ever notice. And the issue was still there when we had E5 fuel, which we've had since 2019.
A few years back I had an independent mechanic who would show people a jam jar which he claimed came from a supermarket forecourt and it had loads of bits floating about in it. The 'story' was that you shouldn't buy petrol from supermarkets because they have such high turnover of their storage tanks that any sediment never gets a chance to settle and you end up pumping the
[email protected] into your car. But if that were true (and a problem) then there would be loads of cars breaking down with blocked fuel filters and this just isn't the case. It's just a scare story in the same way that water separation for E10 is. Austria have used E10 for nearly 20 years and there's nothing special about cars sold in that country, they're exactly the same as those sold here when we had E5 fuel.
Ultimately if you're in the fortunate position to be able to afford premium petrol every time you fill up, then knock yourself out. It undoubtedly includes better aditives to keep the interior parts of your engine clean, but if you want that benefit then don't mix it with E10, but stick to premium all the time. Lucky if you can afford this I'd say!