The point of fiction is not to make statements. If you want to make statements, write an essay. The point of fiction is to give the reader an experience.
The reader may, of course, reach a conclusion as a result of a fictional experience, just as they may reach a conclusion as the result of a real experience. In fact, we are far more often convinced of the truth of an idea when we reach it by experience, rather than simply being told it. Actually, it is very hard to get people to accept an idea, however well argued, if it does not match their experience.
So what you should be asking yourself in the passage above is, do you really want to drag your implication into the open in the way you would be doing in either version? By doing so, you move from persuasion by experience to persuasion by argument, which is a much weaker form of persuasion. Even though the words are in the mouth of a character, and even though people might actually say things just like this in real life, the effect is still to drop up out of the story world into the world of authorial preaching. We recognize that here it is the voice of the author coming from the character's lips.
There are a couple of reason why authors drop into authorial preaching:
The first is that they do not trust the reader to draw the right conclusion for themselves. Making their argument is, to them, more important than really examining what lived experience is really like. They have a point to make, and they want to make sure the reader gets it. But this always results in weak storytelling because the writer's focus in not on story but on argument.
The second is to pander to the audience. People have a tremendous appetite for having their opinions and prejudices confirmed. In fact, there is a pretty strong movement in the criticism of literature, TV, and movies today to demand that a certain set of orthodox opinions be directly and strongly affirmed. (This is not, of course, a new phenomenon. The demand for authors to demonstrate orthodoxy and piety is as old as humanity; only the gods change.)
So, if you want to pander, the universal statement is probably stronger. But if you are inserting these comments because you don't trust the audience, then trust them and focus more of your energy on portraying the lived experience as truthfully as you can, rather than forcing conclusions on the reader.
There is something very powerful about restraining yourself from overt authorial preaching and sticking to the creation of an experience. If you create a genuine experience then even those who would draw a different conclusion from the experience can still be moved by your work. If you force your argument into the open, however, you will lose all those readers. You can only preach to the choir, but people will sing songs they don't agree with for the sheer joy of singing.
For example, we can read The Grapes of Wrath and be moved by it, even if we don't share Steinbeck's socialist sympathies. We can read Dickens and be moved by him, even though most of the social causes he espoused are moot now. Although both authors had a point, they focused on creating an experience and let their audience draw their own conclusions. Thus their influence lives on long after their causes have been settled. And thus, also, they changed a lot of minds by experience that would never have been changed by argument.
To hold the attention of those who oppose us by the sheer compulsion of the experience we create is our greatest privilege and power as novelists. We should not squander it by making our arguments overt.
