They mean the clutch is immersed in oil or has oil flowing through it, hence its a wet clutch, not kept dry in a sealed portion of the motor.
I say keep doing what you doing. I have been running Castrol GTX 10w-40 motor oil in mine, and thats all i have used in trikes for 20+ years. I just grab some oil and dump it in, if i didnt have that available i would get some Havoline or Valvoline whatever the local station has on the shelf. If you have been doing it for 18 years why change! If it aint broke dont fix it.
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1984 Honda ATC200ES "Big Red"
1982 ATC200E "Hondie"
1988 TRX300FW "Project Quad" Still in progress....