I'm clearly no expert on this, and my answer my be pretty controversial, but when it comes to lower gear oil, I'm not very particular. As long it's the correct viscosity, and has a marine designation, a Walmart or NAPA special works for me. The key is to change it out every 200 hours. After a few changes using the Honda specified oil, I noticed no significant debris on the magnetic plug or in the changed oil. In fact I kept wondering why I was changing it. I then had to pull a few 200-hour maintenance procedures down at Hatteras, where the only thing available was the NAPA basic stuff. It seemed to perform as well as the Honda oil - no flakes and no debris. And at Hatteras I was running the engine longer and harder than on the Chesapeake. In addition to that, the commercial guys around here that use the big Honda's only change their lower unit oil once a year, if that, and do not seem to be having any lower unit problems.