so basically you are asking if you should spend an extra 10 bucks on the filtering of your oil to assure your 5-10g investment in your engine will be safe? I think for the amount you do oil changes get the best filter.
WIX nascar uses it get a magnet drainplug i just use FL1A 3 months later i throw it away HP might be warrantied if you had a brand new GT-40 and the motor blew up and filtration was the cause or lack of..Ford warranties there engines with just FL1A for that matter.