Cheapest. Our house is not sealed well, older, windows open, dusty, rugs, why worry about air quality? If you want air quality, get an electronic electrostatic filter.air
A clogged filter does not put stress on the system as the filter is in the return. The blower is large, in a leaky plenum, it's not sealed, it doesn't need air to draw to function, it only needs to blow air. A clogged filter is irrelevant to the operation of the furnace, A filter is used to help remove dust from the air.