My older Ford pickup, (1991), has dual tanks, and a frame rail mounted in line fuel filter. And it's a fairly large one. It's easy to change, so I do it quite often.
I generally make it part of the job when I change out spark plugs, wires, rotor and cap, and air filter. I've never waited until it generated a problem.
The only issue is, the new filters no longer come with the 2 plastic press in c-clamps you most always break removing the old one. But all the chain auto parts stores stock them. So I always remember to buy a couple extras along with the new filter.
After installation the engine starts a bit hard, than usually stumbles and quits until the new filter becomes filled and pressurized. I can get around that by turning the key from "LOCK" to "ON" 2 or 3 times before starting.
That allows the fuel pump to prime it enough to where it starts quickly, and keeps running. I should add I've never had one leak. They seal amazingly well with those little plastic c-clamps.