Silt. On a vertical mount filter ..if you're going to have stuff falling out, it's going to end up at the bottom, just like it does on a fuel filter. Then when you start and if and when the bypass opens, it may sweep that stuff in. That's the Ford Engine Division's paraphrased rhetoric on it via the assembly line OEM producer of their filters.
Since not to many of us find stuff in the bottom of our filters, it's either well founded in terms of process but undetectable to us, or it's not occurring for members here who cut open their filters.