I have alot of time and money invested in my bikes, so I don't cheap out on fluids, but I don't go overboard with super-fancy stuff either,,, but that's just me.
2 quarts of quality motorcycle coolant every couple of years and only OEM oil filters with motorcycle oil every 3000 miles is not that expensive for peace of mind.
I buy it all from my motorcycle dealer as I value having them there whenever I need them (I do all my own service/tires/maintenance etc)...plus their parts guys are just way cooler to talk to about bikes than the lackluster dummies behind the cash register at the cheapo auto parts places...