BD, you are going to worry yourself to death over nothing with that micron rating. It sounds good when one filter is rated at 20 microns, and another is rated at 10 microns, in reality the 20 micron filter will not pass 20 micron particles shortly after being run. As the filter starts cleaning, it starts blocking the 20 micron holes almost immediately. 20 microns is 0.000787 ", most bearing clearances are .00125" per side or even larger, and the bearing is floating in a cushion of oil, so in theory the particle from a 20 micron filter would never make contact with a bearing surface, it will just get squirted out the side and pass through the filter again, likely being trapped. There is way more harm done to the engine during start up and when filters reach the end of their life than there is harm done from the difference between a 10 micron filter and a 20 micron filter. Filters have bypass valves which open up when the engine is first cranked and the oil is cold, as the oil cannot all pass through the filter because of it's thicker viscosity. As the filters become clogged the bypass can also open up because the oil cannot pass through the dirty filter. In fact a good bypass valve can be just as important as the filter itself.