I resisted my verbose tendencies in my first post, but Gary has now thrown down the gauntlet ...
My point here is that you need to decide just where your threshold of "pain" versus "pleasure" is at. Do you want to risk a filter failure? If so, at what point is the risk to overwhelm the need for reliable transportation? Since this is your daily driver, perhaps not. Can you afford to keep running the filter until it rots off from rust decay?
Here's my analogy (I'm famous for them). I have two roto-tillers. One is a Honda that I take good care of. The other is an older roto-tiller with a Briggs&Sratton side valve engine. I haven't changed the oil in it like 5 years now (so long ago, I've forgot). I have NO intent to change the oil. I want to see just how much "abuse" it can take. It was a low cost tiller, and I believe it can just keep running with the garbage that's already in it. I do make sure that it's topped off (haven't even needed to add any oil in the last several years). Why do this? For the fun of it. Lost cost entertainment! And I don't rely on this piece of equipment to take me to work, or feed my family. It's a purpose built toy. The reward of the "shock and awe" of no oil changes outweighs my personal risk of having it sieze up. Plus, I have a spare yard-sale motor sitting next to it, should the engine sieze. The risk is low; the reward for my (unBTIOGlike) behavior is the fun of seeing just where the failure point is. Be asured, this is NOT my typical maitenance mentality for my expensive and needed items; it's an experiment to "boldy go where my equipment has never gone before", to coin a phrase. This attitude probably eats into the very fiber of some here on BITOG, as they would run premium RL or Amsoil synthetic and OCI every season for a piece of equipment than gets maybe an hour of use per year. I choose the low road in this case. And I enjoy the relative shame I bring upon it in the process.
So, why are you asking us if you should be changing a filter? Shouldn't you be telling us, not asking us, what best fits your needs????????
If you "need" this vehicle regularly to be reliable, then change the filter for Pete's sake. If not, then why not shock the BITOG world and run it until the filter rots off. Just keep some spare oil and a filter in the back with the mail in case it happens far from home.