Equivalent coolants to Honda Long Life and Toyota Genuine

imo: my 06 accord and 06 rav4 i will use oe fluids because i dont want any problem especially cooling system with these cars.just bought toyota coolant from dealer,the honda
i got it at internet thru bernardi honda.if these oe coolant in the cars for years why changed? i plan do change them q 3 years too often it’s my peace of mind,few dollars wasted
rather than wrong coolant for few dollar savings.radiator,engine,water pump not cheap to replace if something to do with wrong fluids.