That's pretty much my approach, also. I woud rather deal with things on my terms rather than chance something failing at the worst possible time. (When I get finished with this post, I am going to take advantage of this 75 degree December afternoon to repack my front wheel bearings, which I know could go another 10k miles.)

Unfortunately, that approach is just not viable when it comes to fuel filters. One bad tank of fuel will clog a new filter just about as fast as one that has been in service for years. Sort of like running over a nail will flatten a new tire just a quick as an old one. All the preventive maintenance in the world won't help. Carrying a spare will.