The deployment of Large Language Models (LLMs) in mental health counseling faces the dual challenges of hallucinations and lack of empathy. While the former may be mitigated by RAG (retrieval-augmented generation) by anchoring answers in trusted clinical sources, there remains an open question as to whether the most effective model under this paradigm would be one that is fine-tuned on mental health data, or a more general and powerful model that succeeds purely on the basis of reasoning. In this paper, we perform a direct comparison by running four open-source models through the same RAG pipeline using ChromaDB: two generalist reasoners (Qwen2.5-3B and Phi-3-Mini) and two domain-specific fine-tunes (MentalHealthBot-7B and TherapyBot-7B). We use an LLM-as-a-Judge framework to automate evaluation over 50 turns. We find a clear trend: the generalist models outperform the domain-specific ones in empathy (3.72 vs. 3.26, $p < 0.001$) in spite of being much smaller (3B vs. 7B), and all models perform well in terms of safety, but the generalist models show better contextual understanding and are less prone to overfitting as we observe in the domain-specific models. Overall, our results indicate that for RAG-based therapy systems, strong reasoning is more important than training on mental health-specific vocabulary; i.e. a well-reasoned general model would provide more empathetic and balanced support than a larger narrowly fine-tuned model, so long as the answer is already grounded in clinical evidence.