Good point the problem is there are good and bad filters in all Merv ratings and a staggering void of complete testing including long term testing and not just brand new testing. So unless you can find a source with reliable testing it is tough. Also the point of diminishing returns, a super high quality hi merv with low pressure drop may not be that low after 8 weeks. I just change whatever generic cheap filters I can every 3 months for the 2 in my system
I USED to buy 5inch return grill filters and run them 6 months to a year, last house had 4 of them and gets pricey, so figured cost difference in this new home, Ill just change cheaper 1 inch filters every 3 months.
Consumer reports used to test them, Im not sure if they do anymore, but even so, just a handful out of dozens of brands out there.
BTW- I agree with you but because of this I just buy generic Merv 8s and 11s since I have two intakes usually the smaller filter will be 11. but I dont have an opinion on 11s except I would never have two running at the same time. No need for it, prefer 8 and the max.
Now your post is making me re-think the subject again, that I have been thinking about and analyzing for the last 16 years