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

Oil must get hot to remove moisture. Thats why the OM6xx have an oil thermostat that keeps the oil 110c.