Allow me to qualify myself first, not to make myself look better but to allow you some confidence in my observations and opinions. I'm a Kia Master Elite tech 5 years running at a local Kia dealer (not publicizing the dealership without permission for obvious reasons.)
Wife and I own a 2008 Hyundai Santa Fe with a 3.3 Lambda V6 with 176k trouble free miles on it and we have a 2015 Kia Optima 2.4 Theta II lease with 26k on it. I fell for the OEM filter propaganda for a long time and had it preached to me in training and literature. Used Kia 3C100's in the Santa Fe and 504's in the Optima. There is something to be said for using OEM parts however:
-OEM consumable parts are made with a bean counter watching.
-Premium Aftermarket parts most of the time have certain benefits not allotted for from the lowest bidding OEM supplier.
Kia and Hyundai stating startup rattle may occur with aftermarket oil filters of different flow rates and construction is a blanket CYA statement to "warn" techs and keep them from unnecessarily pulling timing covers to hunt down chain slap caused by an oil filter that is too "efficient", or restrictive. My Kia currently has a K&N HP oil filter on it and I'm about to put a K&N PS7022 in the Hyundai. I have run K&N's on these cars before and not had any chain rattles ever. Unfortunately I cannot speak for the ultra high efficiency Fram XG line, Puro Boss, and the like, most all cars that come to the dealer have a quick lube filter or an OEM filter on them. The ones that rattle bad have either had the Nissan size PH6077 or equivalent on them or if it's a cartridge car has had the wrong cartridge installed, such as an AAO filter where a 3C250 goes or vice versa. (Sedona's usually).
I would not fear using a quality aftermarket filter at a SANE interval. I would not personally run filters out past 5k on a Kiyundai. Some cars can, some cars shouldn't. It's my opinion that Kia/Hyundai's shouldn't.
If you own a Kia with an affected 2.4 Theta, no oil filter will save it. Go get yourself a free longblock. (Hopefully). If you have the Theta recall and it passes, you are still covered for the allotted time in the warranty extension. Have no fear. I think it's 15 years unlimited miles. I'll have to review this to be sure this is accurate. In conclusion, please don't think your hands are tied. You are not a slave to Mann-Hummel and Mahle. Synthetic oil and a good flowing moderately to highly efficient oil filter will serve you well.