I have a rather basic question, which I a sure must have been addressed somewhere. It seems rather inefficient to create a universal binary application. If one builds just a universal installer that will install the correct binary where it belongs for the running system then target binaries are correct. I suppose if you are an organization that installs from a central location, you would instead determine the correct binary for each target, but that seems that it should be simple to accomplish, too. If Apple covets determining the info, then they should provide the "universal installer."
Doing this, the average user would just need to archive the installer in chase the system changes, saving space on the running machine.