Most oils advertise a full warranty against an "oil related failure" ... my guess is not one oil company since the dinosaurs were alive has had to pay out a claim.
Only engines I've ever seen that NEEDED a special oil, were engines that were in a state of tune or modification that far exceeded the original design parameters of a stock engine.
As far as flat tappets go ... if you had old school US made cam core and old school US made lifters ... you could probably use any oil made and still be fine. Maybe it wouldn't go 150,000 miles, but it wouldn't wipe a lobe at 5,000 miles.
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