You don't want generic at all..
generic may use micron chips, so why dont get crucial which is micron
generic may use good micron chips on generic pcb boards. You can't tell how many layers are those pcbs, they maybe 4 crappy layers and gets noise from your fan, so you'll constantly get errors and thus system crashes.
generics have no warranty, find a place thats still open last month, always check reselleratings.
mushkin, corsair, crucial have life warranty. It's kinda hard for them to shut down but it's not impossible.. just less likely.
You also won't get ripped off.. you get what you pay for, cheap ram = bad performance..