Universals are great! Being able to reference global values that span all records in one table from another table via a universal relationship saves so much time, letting you write once, deploy everywhere…ouch! ouch! stop! ok ok!
Oh all right. Universals in the sense you speak of them are generalizations. There is an art to making a generalization from a set of particulars (to use your term). Not a science, not a definitive act founded on epistemological and metaphysical purities, but an art. Seeing the place in the woodwork where the grains all run the same and pointing to it and saying so. (Artistic license saving you from having to defend your generalization in the face of the little whorl down there at the botton in that plank yonder where the grain runs perpendicular then bends away backwards. If we don’t see it, you aren’t a good artist, but if we look and see it too, you don’t have to prove anything).
A lot of human perception is artistic, rather than scientific. We go with shorthand models, symbolic representations, sketches of reality, because they fit elegantly, they pleasantly reverberate with our experiences of the real, which are in turn interpreted in part though the veil of those shorthand models, yet enough raw experience persists on its own to critique them and allow us to appreciate better descriptions when they come along.