Whats more efficient for AC and Blower Fan, lower temperature/fan auto or higher temperature fan on?
Whatever you do, use the blower fan on auto only. The blower fan is ineffective for circulation compared to ceiling fans or to fans on stands or to box fans. If your ducts are in a hot attic, circulating air will pick up heat through the relatively thin insulation of the ducts. If your ducts are in the crawl space
of a pier-and-beam foundation, then maybe using the blower on for circulation might do some good.

I am well into my 70s and can't stand being hot so my recommendation is to set the thermostat at 78 F and leave it there. We keep ours at 74 F and just pay what it costs. If you have standard thickness filters, change the filter once a month or two months at most. Let everyone (including the dog) enjoy life at a civilized temperature and humidity.

Where are you? What was your monthly kWh last summer, say for July?

Edit
Our electric power use kWh (so you can judge the validity of my answer on your question) for two retired people who stay home a lot and don't travel much, share one automobile (~one tank of gas per month), electric kitchen range (never eat out), electric clothes dryer, gas water heater.

2016 electric power use kWh
Mar 500
Apr 500
May 700
Jun 1000
Jul 1700
Aug 1950
Sep 1500
Oct 1000
Nov 700
Dec 600
2017
Jan 750 (space heating of garage for painting)
Feb 500
Mar 500