I use a 1-inch low-MERV fiberglass for higher flow as per instruction manual and HVAC guy recommendation.
I change it when I sense it has been enough time. Summer and winter when the unit runs a lot, it is changed every month. This fall, It was mid-August and will probably go until the end of October. It has been fair/mild this fall. I do spritz it with non-stick cooking spray which does hold a bit more dirt.
I am contemplating having the return elbow (where the filter is inserted) modified to take a 4-inch so I can have a filter that lasts up to a year, filters better, and has high flow. You know... something I would totally forget about after that length of time.