I've never been a fan of the oiled-element air filters.
Not that they cannot do a good job. I think there are some systems that can perform very well. But, the key to that level of performance is proper maintenance of the oiled element. And that is the problem; it's very hard to get the right amount of oil on there, and very hard to maintain that level, and difficult to know when to wash/oil it (without doing frequent UOAs). They are difficult to "get it right", no matter how simple it looks on TV or the 'net.
- apply too much oil and it will saturate, pass and end up on the MAF sensor, which can cause big problems with running
- apply too little oil and it won't catch the dirt it's supposed to catch, allowing slow destruction of the engine
Dry paper filters are very reliable, work well, install easily, and don't need any maintenance to be viable. Install, use, replace; it's that easy. The level of filtration efficiency (from reputable suppliers like Wix, Purolator, Fram, etc) is good and repeatable. It gets "better" as it ages. Kind of hard to beat the ease/cost/reliable performance of a paper air filter.
Any filter typically gets "better" as it loads up. But why add the difficulty of oiling a cloth filter when it's not necessary? I do understand that there can be a fiscal savings by using a "reusable" filter, but to me the down side outweighs the upside, in this type situation. As much as I've seen great success with lubricant bypass filters (proven very reliable and effective), I question the viability of reuseable air filters (efficiency determined by the skill and knowledge of the person who maintains it, and it's VERY easy to get it wrong in both directions).
Food for thought.