Filters don't just go into bypass when they're "plugged up". Cold starts, for example, can go into bypass. That's my understanding, at least.Thank you SOOO much for substantiating your answer! Now let me see if I understand.
When a filter gets plugged up the dirty oil gets bypassed so the motor doesn't get low on oil, correct? So Ford filters put the bypass right at the top so that the dirty oil is at least not picking up more dirt before going back into the motor?
Do you mind sharing some pictures of the filters you have cut open?
Here's an example of one of my filters. I believe I've posted others, as well, which you can search for...