i agree were not talking about total catastropic failure of the thing blowing out at top rpm and ruining the engine or plugging up to starve the engine, were basically taliking about dirty oil bypassing the filter media or the drainback valve not fuctioning 100% and allowing unfiltered oil to pass with or without some amount of clean oil taking with it the contaminents that a filter should remove causing minor wear each time it occurs, over time minor adds up. This dirty oil adds addional wear ontop of usual running. How you prove this, i got no idea but just that some are better than others just by looking so on the micron level you have to wonder an i protecting the best i can?
I am also not saying that NAPA is worse than HOye i dont know but hoye has had theirs designed for the specs in the book, NAPA maybe has or maybe its close enough and the thing will thread on, i dont know, im not an engineer. A side note if you have a say fram blow out on you causing catastrophic oil failure fram has a warrenty itself against this type of stuff, but if they do not list your tractor as a sutible application your out of luck cause they never approved it for that, and there is no way to prove that the thing was bypassing that i know of so forget that. Id like to think that hoye would help me out to some degree if one of their "made for my tractor" filters failed and caused damage.
-Nate