Difference between $38 5W20 vs $18 10W30 oil change?

2002 Honda civic with 128,000 miles that has used 5W20 for 14 years with the dealer. Finally sick of overpaying.
The Honda dealer wants $38 for oil change for 5W20. The local shop offers 10W30 for $18.
What happens if I go with the 10W30 if anything?
it's not exactly a fresh ride, lol.

Read more: Difference between $38 5W20 vs $18 10W30 oil change?