I use OEM harley oil. They throw in the same oil in all 3 areas. So all you need is a case of Mobil 1 and yes, top off the bag so the stick reads full. You'll want to pre-oil the oil filter and when the rest of the oil fills the filter and whatever the cooler fills up with, you almost top it off when filling cold. Unless you want to get it hot and see where the level is? Lower than the top mark on the stick, then top it off without guessing when checking hot. Costco sells Mo-1 by the case.