Any opinions as to the best (protection, engine life)5-40 for year round use? 55K mi, 5K OCI. Currently M1 T&SUV & M1 103 filter. M1 5-30 since 50mi., last 10K 0-40, last fill 5-40. Have used TRD & M1 filters. Will use UPFL400A in future. 12 mi. one way work drive, suburban driving primarily...