Hi ... Welcome to the forum.
Both answers that you have already received were genuine ... I am also going to offer my own genuine opinion ...my own personal opinion ...
OEM is a product that is specifically recommended by each manufacturer - you are referring to ink. Each manufacturer states their own 'warrenty' and additional warrenties may be available for purchase. Also, each state varies in their warrenty laws.
Compatible is a product that is usually just as good as the OEM product, usually will costs less and should work fine in most of today's products - printer ink.
If you need a more detailed oem answer, you could always contact the printer manufacturer of your product(s), a local computer repair store, business office supply store or trusted friends for further assistance.
Ultimately, the decision(s) that you make are a personal choice ... if you need assistance locating a phone number(s), myself or others here on the forum would gladly assist you.