Some help with a 400

Why is 10:1 the limit? Detonation?
Yes
91/93 octane is really only good for so much cylinder pressure. (Dynamic compression)There are fellas here, myself included, that run the best pump swill with ratios of 11-1. (I do) The trick is to bleed off compression with a big cam. This is the give and take catch 22 of pump gas.

Being the car is a big heavy car with the wish of cruising, it makes very good sense to be a bit prudent and conservative on what your doing for added performance. Lower compression and a smaller cam is the start.

Depending on the cars weight, gear ratio etc.... a 9.0-1 is where I’d start.

Wouldn’t higher compression produce more torque?
But I suppose running a short duration cam that doesn’t bleed off much cylinder pressure you can’t go as high on the static side...
Yes! The extra compression, it would make more power but a heavier car with cruising in mind it can do very well without. Between the cars weight, lower than best acceleration gears, the added power from compression is an issue with pump gas.