I don't understand why people bother comparing a universal to a custom. At this level, the difference is really not in the sound. They can both be excellent, and even though one may slightly better satisfy your sound quality expectations, it will not be a game changer like moving up from a low-end or mid-tier IEM.
The real difference here is that a universal will always bring along it's fit issues. Longer initial insertion time, cable tug seal loss = longer re-insertion time, exercise/movement/sweat seal loss = longer re-insertion time. Plus the possibility that you are neither a S nor a M, or neither a M nor a L, and the former doesn't seal enough while the latter puts too much pressure. If you are willing to put up with that to obtain a higher resale value, then all power to you.
If on the other hand you value more something something that just fits correctly, immediately, then get a custom.
At this luxurious four digit price level, for me it's a pretty simple choice. However, if current TOTL universals we're priced say at $500, then it would be a much harder decision.