In the past, Fram medias were known to occasionally perforate where they meet the center tubes holes. This could potentially apply to ANY Fram filter, including insert filters. A Fram insert I once bought years ago for my '94 325 came with the wrong size O-ring, causing an oil leak and mess under the hood after discharging a quart of oil at higher RPMs. For inexpensive, locally found options, I'd go with Purolator, STP, or Napa Gold instead. The German brands, not readily found at local parts stores, are certainly your best choices, but the three prior brands mentioned should certainly suffice if you prefer the option of local parts stores.