I bought a filter cutter for $40:
Amazon.com: Oil Filter Cutter: Automotive
and it works fairly well. I plan to change the filter every 2500 miles and inspect it, and change the oil every 5K. I actually haven't tried it on a NAPA filter yet, but it worked well on a Bosch. It's a little messy, and you have to cut the filter material out with a razor knife, but not bad. I'm going to call it the "guardian procedure."