The overheating of the older furnace motor is partly truth, part myth.
Truth: older furnice squirrel cage blower motor are mostly 1/2hp or less, and are barely capable of keeping up to the task even w/o air filter on. Also: back in those days most of the furnace manufacturers were not aware of the use of higher filtration efficiency (particulate filtering) media but mostly just loosely spun fibreglass media), thus they can cheepen out by using spun fibreglass media and call for the day.
back a few years ago while we are still on the old, single-stage furnace, I repalced my motor with 3/4hp and changed the pully ratio (to run @about 20% higher RPM) to go with MERV 7 and higher filter and no problems with them.
Now, if you use MERV 7 or higher media in such older furnace designs, your motor may not get the sufficient cooling it needs for the windings/coils and may go south relatively quickly. But then again: that is, provided that you are still on those old, single-stage furnace that are 55% efficiency.
If you are on newer, mid (80%+) or high (92%+) efficiency variable blower motor furnace, the computer control module will actually keep track of the motor and keeping it from overheating (ref: Trane XV95 we are now using). With that in mind: you can now use mid to high efficiency 3M filter without worries.
My dad was scolded by me for playing foolish with spun fibre media back in the earlier days of single-stage furnace (I'm allergic to molds and dust in the winter, so my asthma would act up with spun fibre type which essentially does nothing but to filter dead birds from getting into the air stream).
Q.
p.s. if you are still on single-stage, pilot-light (or single stage mid-efficiency non-pilot-light but constant speed AC motor type) furnace and you want to know if you are going to overheat the motor by means of using mid to high efficiency media (compared to spun fibreglass media), just get one of those wired indoor thermometer and then stick the sensor on the motor outer casing and then run it with the media types you like (compared to no media/spun fibreglass media) and see how bad it is? If it exceeds 10C or more then it would be wise to go with a lower MERV rating one, if change is less than 10C with higher efficiency media, I'd go with the higher efficiency media and be done with it (and still sleep well at the end of the day).