If you have a ECM blower motor it should spin at the same RPM using the rock catchers some guys here prefer vs a higher MERV filter. A ECM motor will use more electricity to compensate for an airflow restriction, but it will still usually be more efficient than a split capacitor motor. The old split capacitor motors spin slower when restricted.
If you're having a new furnace installed, I highly recommend asking what air filter box they want to use and make sure they install something large like a Honeywell 20X25X4 as an example.
Last to note is in my experience, the higher MERV filters slows down the dust accumulation in the house. Look at the dust around your house. Rub a finger on top of your TV.... .