I believe the manual requires filter replacement at 50 hours and then every 400 hours. Let's say it takes you 2 years to rack up 400 hours. Look at it like investing in your retirement. If you put $5 / month in a jar at the end of two years you have $160 to go towards filter costs. Of course none of us actually do this and are surprised by the sticker prices.
Let me just say - I have analysis-paralysis. I research and study a problem almost to the point of inaction. I too was sure I could get the same quality on-line for less when I did my first 50 service. Ordered a complete "kit" of filters, gas, oil, hydraulic. Reviews were favorable and all was assured to be just fine. Everything installed as expected and I didn't have any problems but there was just something about the quality of the filters that just didn't sit right. I've seen many videos where they tear apart filters and inspect the filter medium. Some are laughable.
At 200 hours I changed everything again, fluid included, not because I had to but it had been a couple of years of hard use and I felt I could sleep better knowing everything was done. I went to the local dealer this time and was surprised their prices for OEM filters and fluids were the same or less as on-line. And I walked out the door with everything in-hand without waiting for it to be delivered.
Long story, I know, but a couple hundred every
couple name combiner 2 - 3 years to me is reasonable.