Try driving a turbo charged 2.2 ford engine with a cheap oil filter (fram)...having the H.L.A.'s rattle like a set of nickles in a tin can.....
Then swapping out a decent high quality filter (Napa Gold (Wix)) or the like. And having the engine running smooth as silk, without any knocks/pings/dings/rattles/etc..
That's the main reason I recommend a decent quality filter with an oil change. The M-1 filter costs a few bucks more then a motorcraft. And it is much better construction then any Fram on the market. Currently we are using MotorCraft on both trucks. Costs a bit more then a Fram would. But I'd rather spend $$ on a product that puts it's money into quality control---and not an advertising budget.
Just saying that quality/filter wise? It pays to research, and not buy into the advertisement hype. Lesson well learned with our former turbo charged car...Fram was the worst for the valve train area. Put in a Wix filter? And it solved the noisy H.L.A's from the first start up.
S-