I have not noticed any real difference in cleaning liquids and oils. As long as it has some water you are good. I do use regular windex, industrial window cleaner, plain water and moose milk. IT all does the same job. for oil I use mostly ATF with a little lanolin melted into it. Fluid film is a lanolin based rust preventer I use. As long as I completely clean the bore I get no rust.
The ammonia Windex vs vinegar Windex was from a BP cartridge book years ago, it was by Mike Venturino. He only stated that you do not want ammonia in your rifle. There was no reason given. I speculate that he was just guessing and did not test anything. I further speculate that the amount of ammona in windex is tiny. The amount of ammonia in copper remover for modern guns is large. If you clean the bore in the modern gun after the copper solvent, then oil you get no rust. IF ammonia was really a problem you'd see it here. Like so many things in the hobby it seems to be based no data.