A physically consistent semi-classical treatment of black holes requires universality arguments to screen late-time Hawking radiation from ultra-short distance near-horizon effects. We evaluate three families of such arguments in comparison with Wilsonian renormalization group universality arguments found in the context of condensed matter physics. Particular emphasis is placed on the quality whereby the various arguments are underpinned by `integrated' notions of robustness and universality. Whereas the principal strength of Wilsonian universality arguments can be understood in terms of the presence of such integration, the principal weakness of all three universality arguments for Hawking radiation is its absence
