My 2.5L Fusion uses the FL910 filter style; I use the Wix 51348 often for this application. I'm impressed with those little filters.
I would advised against using a non-spec'd filter on a new vehicle while under warranty. Even though the possibility of a problem is remote, it gives the OEM wiggle room to place the issue into your garage, and make you prove it wasn't the problem.
I completely agree that the FL910 and FL400 are generally interchangeable, if the space allows.
But, I'll also note that for any normal OCI, there is essentially no performance difference in the two filters as far as engine wear protection. Today's lubes and engines run so clean, that the filters are secondary in protection. They are not worthless by any means, but they are not the first line of defense. Up-sizing a filter really does nothing overall in a normal OCI.
Going off the reservation, so to speak, in regard to lube and filter choices, places the burden of proof upon the user. While it does not relieve the OEM of their responsibilities, it places the efforts required to prove what happened (and more importantly "why") on the shoulders of he who chooses to stray from the recommended products. This is all about M/M Act law and case law decisions.
IMHO - it is not worth the risk, even though remote, to use non-approved products during warranty.