Thank you for your response.
I see your point about using an oil filter to help keep the oil clean, while the oil helps keep the engine clean.
It seems that neither of us will back off of our opinions about the level of filtration, or lack thereof, done by oiled-cotton air filters. But it still begs the question: Why introduce more contaminants into the engine at the top end, only to have the bottom end have to work harder? It's like getting all cleaned up to go out on the town, and then running through mud puddles. That may be a bit of an exaggerated analogy, but it fits. What good is a clean oil gallery if the top end is being torn up? That's where my head is, and I think you've come to realize that without beating this dead horse any more.
Without trying to beat a dead horse, as you put it, I am only sharing my personal experience and research. I have used reusable air filters for two different vehicles in the last 20 years without any bad effects. Matter of fact, the only problems I have ever had with my past vehicles were external. Things like water pumps, alternators, fuel pumps...etc. I have never had any of my vehicles repaired for an internal engine problem.
For me it is more important to get the best MPG as possible due to the current high fuel costs. A more restrictive air filter might keep the intake cleaner on a microscopic level but it results in higher fuel costs which adds up very quickly if you do a lot of highway driving.
Plus, I don't drive my rig in places that would expose it to the kind of dirt that could get past the air filter I use. I travel very slowly on dirt roads and I don't splash through mud holes if I can help it.
Matter of fact, if I see that a road is too rough or too muddy I will park and either walk or ride my bicycle the rest of the way since my goals are to do my photography work, not driving off-road for the fun of it.
Now if you're an off-road enthusiast that enjoys running through mud and sand then of course you will need a filter that keeps that kind of gunk out of your intake. And I believe I mentioned in my original posting about K&N filters that if you're driving in extremely dusty or muddy environments you may need to put in a more restrictive filter as a precaution.
But since I don't drive like that I would rather have higher air flow to improve fuel efficiency.
For me changing the oil more frequently to help keep the internal engine clean is more cost effective than paying the high fuel costs due to a restrictive air filter, especially since most of my driving is highway.
And I change my oil in the Xterra every 4 months, whether it needs it or not.
The last vehicle I used a K&N on was a RAM 2500 with the cummins turbo diesel. I bought the truck new back in 2006. I put the K&N on it when it got past 40,000 miles.
When I traded it in for the Xterra my old truck had 246,000 miles and was still using the K&N I had bought for it about 10 years earlier.
During the 10 years I ran that truck with the K&N I pulled the filter once every 6 months to clean it and re-oil it. I also changed the crankcase oil and fuel filter at the same time.
But I changed the oil filter in the truck every 60 days because diesels produce more soot than gasoline engines.
During that time the only things that went wrong with the truck was a failed water pump, fuel pump, and the front axle seal had to be replaced. But the engine never failed or displayed any performance problems.
Matter of fact, during the time I ran my truck with the K&N filter it did get a lot better MPG. It was EPA rated 16 city and 19 highway, which coincidentally is near the same rating as the Xterra.
With the K&N my RAM got 19 to 20 city and 24 MPG highway.
Since I had such a good experience with K&N on my truck I decided it might be worth trying on my Xterra.
Now I am not saying everybody should use a K&N, or any other high flow air filter. It depends upon how you use your vehicle. If you're driving mostly off-road in mud and sand, then the K&N is not for you. But if you're driving mostly on paved roads, and only going occasionally off road, and want to save on fuel costs, then the K&N might work for you.
That is all I am saying.
By the way, the reason I traded in my truck for the Xterra was because when I originally got my truck I had a delivery business and needed it for that purpose. After I went into my photography full time I found the truck was just too cumbersome on narrow and twisty back roads. I needed something smaller and more maneuverable in tight spaces.
I liked the Xterra because it reminded me of a Jeep Cherokee I had back in the 1990s.
The dealer I traded my truck to for the Xterra actually told me my truck was worth more than the Xterra even with the mileage on the truck.
As part of the trade the dealer gave me a 15 day warranty and new tires. The tires alone were worth over $1000. And he paid my plates and registration for one year.
I know this was a digression but I wanted to convey that I had a good experience with K&N and along with regular oil changes my old truck lasted a long time.