There is where I have to disagree James. My main and rod bearings were heavily worn from those chips and my cam journals (they aren't really bearings in any sense) had some light scratches - thankfully light enough that I may have dodged a lightening bolt.
I do agree that the stock filter is better than it is given credit for, and it is certainly easier to inspect.
I'm also curious how the LN filter ( which I have installed ) is supposed to eliminate bypass since it mounts on the same location as the stock filter. Bypass is usually a function of the oil pressure relief and the LN doesn't touch that.
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