i think that people forget how hot the oil gets. i have an oil temp gauge on my 2018 ram and it get hotter than the coolant.

i think that after a long period of time a paper filter will feel the effects of 200F
oil and fail at some point letting into the engine all the junk it has been collecting for a number of years.

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dtf
1994 E320 Wagon (Died @ 308,669 miles)
1995 E300 Diesel (228,000)
1999 E300 Turbodiesel ( died @ 255,000)
2006 Toyota Tundra SR5 AC 4X4 (115,000 miles) rusted frame - sold to chop shop
2011 Audi A4 Avant (165,000 miles) Seized engine - donated to Salvation Army
BMW 330 xi 6 speed manual (175,034 miles)
2014 E350 4Matic Wagon 128,000 miles
2018 Dodge Ram 21,000 miles