Most contanimants are to small to be caught by filter, unless the oil is left is service to long and the particles start to stick together and size up. Eventually they will get big enough to catch in filter. I think its better to change out oil before the particles get large enough to get filtered. As the oil gets worn enough to no longer suspend these things they can/will stick to everything and each other and start sludging up the inards. Since in this scenario the filter is doing nothing (ie no filtering, not catching anything), by this definition the filter is doing nothing and thus not needed.