How are you going to know? If you don't change the filter when you change the oil, by the time you get the oil analyzed, you've already contaminated it. Where's the reward here? Saving $5 bucks?
Besides, many of these Honda engines are reading 2 quarts ABOVE "FULL" in just a couple of thousand miles of driving. That's not 2%. More like 30
If level raised to the point you can see it, then yes. Also testing will show how bad it is, so you kind of know what your engine does.
Its already a big improvement to change oil twice during OLM interval… changing filter is messy