Stardust, yes I live in the US.
Universals have some advantages: you don’t have to consider different sizes as you must for every other kind, they are relatively* inexpensive, and easy to put on.
Conversely they are not as precisely engineered as most others, not as easy to flip quickly, and allow less room to regulate. However, if you mostly use them to change keys between tunes they’re fine.
*Expense depends on whether you buy them directly from the manufacturer or from a retailer. In USD: Camac and Truitt cost about the same ($16+/-); Lovelands $15 retail, $6 from the manufacturer, Robinsons $5. A relative newcomer is from Rees at $12.
Personally as a harp maker I prefer either Truitts or Rees both for the precise engineering and easy installation/regulation (Camacs require special tools).
When a beginner asks me about levers and is concerned about cost I often suggest that they only get Cs and Fs at first. You can always add more later when more complex music requires it.
Incidentally, the Musicmakers quoted price of $3800 includes a full set of either Camacs or Truitts
Choice of levers and strings are largely a matter of personal preference and it is well to know that you can change both fairly easily. For example the Voyageur ends with a bass C string and uses nylon but there are string designs developed for gut, fluorocarbon and silkgut, and for the bass string to end on A two steps down. If you decide to upgrade from Universals that too is easy.
I think it makes most sense at the beginning to buy a good basic instrument at first.
Hope that is helpful to know.