I know of several people who hit 86 daily and have no issues from it. Acclimation is the key, a fluctuating temp happens on a reef, sometimes by a lot in a short time, but they are used to it and have evolved with it. It has been shown a temp swing of 2 degrees above the normal fluctuation causes stress and in some cases, death. If you have a normal daily fluctuation of temps the corals are adapted to it and can handle swings outside of the norm easier. Keeping a cooler temp is a recipe for disaster if you lose power and the temps get up, the corals are not acclimated to it and suffer.
Do an advanced search on user greenbean36191 and use temp as the keyword, you will gain a good insight into how corals adapt and what the temps on a reef actually do. If you do get a chiller, set it for 85. After doing this years ago I was able to retire my chiller, it has been collecting dust for many years. I have never lost a coral from temps.