Thanks for all the help. Tough part about this site is that all the "cut open my filter" posts are tough to sort through and compare. Looks like the fram is still a solid choice. Online at WM $8.40 for the XG2 and $5.94 for the TG2. $8.40 and every other change seems like a great deal. Would that be better than using an UG at every change? Or am I overthinking something that 99% of the population doesn't give a first thought about?