Definetly use the honda fluid. otherwise shift feel as well as overall transmission function will be affected. if universal wopuld work and is cheaper do you not think the dealer would use it too. One less fluid to stock. Transmission as well as other fluids are not one size fits all.
The price difference between generic transmission fluid and the Honda ATF Z1 is not that different, maybe a dollar a quart. Honda claim they have a special friction modifier in their oil and we use it in all our customers cars. Trans oil change is very simple on this car no oil pan to remove.