Mileage ratings on filters are no more or less accurate than fixed duration OCIs. They are the OEMs best guess at an interval that will protect their butts in regard to warranty claims, and are typically VERY conservative due to that risk they seek to avoid.
There will always be engines/trannies/gearboxes/diffs that end up neglected, or trouble-prone, that may challenge the normal O/FCI mantra, but generally most equipment in the last few decades is easily and well protected by normal products, well past where we BITOGers would ever fear to tread.
There exists a very large excess capacity in most products. But there are always exceptions to every rule that can be found.
There are three ways to run a maintenance program:
1) preventative maintenance
2) predictive maintenance
3) panic maintenance
Most OEM schedules are based on system #1; they are preset for expected conditions of "normal" loading of the oil and filter, and set with a very sizable margin of error, not to protect you, but them. Those who use system #2 use UOAs, PCs, gages and visual inspections to actually monitor the lubes, filters and equipment, and can predict anticipated wear trends and shifts, as well as the finite life-cycle of lube and filter. And then there are those who just run stuff 'til it breaks.