The K&N and Mobil One filter filters down to 10 microns. The Factory filter is going to be about the same as the Stainless Steel. Typical filter paper elements are in the range of 25 or so microns.

The accumulator was answer to the Cold start issue and not really directly related to a particular filter or number of filters. I went on to explain it for the general interest. I wanted to show that it does have many benefits as related to cold start and oil starvation.

As a suggestion I would show the cost benefit anlysis, ROI. At $95 one time versus ~$10 "x" amount of times for filter changes.

The stainless filter will be bargin, I am sure. Just check to make sure, since these are late model cars the warranties are not affected should there be an unassociated failure. Dealers and warranty companies love to find a reason not honor a warranty.