Like Pigr said ... that 4T is sooo important to the wet clutch material. You might not have problems in the beginning, but those chemicals permeate the porous friction pads and will eventually cause the material to start slipping. Once it starts to slip, there is no other fix than replacement ... changing the oil won't help at all at that point.
4T doesn't really have anything to do with the transmission or clutch. It is the designation for 4 stroke engine oil.
2T is or two stroke, 4T is for four stroke.
Almost all on-road motorcycles are 4stroke. So you meet the 4T designation with any brand of oil that is for a four stroke application - whether it specifies the letters "4T" or not.
What kills wet clutches sometimes is friction modifiers.
I your oil is designed for wet clutches and has no friction modifiers, then it is OK for use.
Now the debate has been raging for decades now. I have personally met people with 200,000 miles on gold wings using only basic synthetic car oil. So everyone has an opinion on this matter.
My opinion is that it is not worth the risk to save $20 at oil change. Just get a good motorcycle oil that specifically supports wet clutches and you are better off. It's just not worth it to experiment for a few dollars in savings.
Use Motorcycle specific oil formulated for wet clutch applications and all is good!
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"Officer, I know I was going faster than 55mph, but I wasn't going to be on the road an hour." -Steven Wright
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