For one thing car chargers don't have a memory and don't know when the phone is completely charged. You can charge on home wall charger without concerns. It knows . Universal chargers can ruin batteries .
This is nonsense.
I design and test these products for a living. Been doing it for a long long time.
The charger needs to be 5 volts. It can be from a universal charger or a PC or an HTC charger. If you want it to be a fast charge, you need to short D+ and D-. This is a standard. Regular charge rate is near 350ma, and fast charge is near 800ma.. Both at 5 volts.
If I plug the USB cable into any PC, it will charge my phone. It doesn't need to be a DELL or an HP, but any USB port. Verizon (HTC) doesn't require me to buy a Verizon laptop to charge and sync my phone. I can plug it into any USB port on any brand PC, and charge it. The same is true of the wall charger or car charger, anything with 5 volts and enough current works.
The phone itself has the charge control electronics in it. The car charger/wall charger/PC port, is stupid. The phone monitors the voltage, temperature and current. It doesn't care what brand the 5 volt source is. There is also safety circuitry in the battery pack itself to prevent over and undercharging of the pack, which could be dangerous. The phone and battery have the smarts, and the external charger/PC is a dumb device.
Universal charger quality may be questionable, but none of them have any smarts and do not control anything in the phone, The phone does all of the controlling.