A more efficient oil filter will always keep the oil cleaner than a less efficient filter. Cleaner oil causes less abrasive wear between moving parts. And basically every wear study says that the particles 20u and smaller do the most wear. Larger particles too big to get between tight clearances like journal bearings can get crushed up else where in the engine, and then become a bunch of smaller particles that can cause wear. Engines are continually producing debris, so a less efficient filter won't "eventually catch-up" to cleaning the oil to the same cleanliness level. If you want to remove more of the particles 20u or less, then use a filter that is higher efficiency at 20u.Yea I know. But Fram has a 99% efficiency at 20 microns and a K&N filter has say an 80% ? efficiency at 20 microns.
Since the oil constantly recirculates I am wondering if the 20 micron particles will virtually all be captured with both filters. And yes I realize that particles way less than 20 microns exist. But I would guess that perhaps even the 15micron particles will be removes or particles less than 20 microns will cause insignificant wear.
The longer your OCI, the more important it is to use a higher efficiency filter. Engine wear from debris in the oil is proportional to the cleanliness of the oil times how many the oil has been circulated through the engine. So even a larger capacity oil sump helps cut down that factor. If you changed the oil every 1000 miles on a well broken in engine you wouldn't need a very efficient oil filter.