Most furnaces run a 1 inch filter without issue. Yes the 4 inch will have less restriction but Joe homeowner doesn't care about that. The selling point of the 4 inch filter has always been longer service life. They say that you can get 6 months to a year out of the 4 inch filter. Obviously under optimum conditions. Where as the 1 inch filter if you get 3 months out of it your doing good. But a lot of people don't want to pay the money for the 4 inch filter so carrier gave them the option of being able to use a 1 inch.