Personally I feel 20% is generous with an .062 orifice restriction , but we have been down that road before . You have a lot of oil going other places especially if you have loose bearings .
I would not be worried about a rock hitting the oil filter , piercing the metal , losing all of your oil , and burning up your motor any more than I would worry about being hit by a meteor .
The advantage of the spin on is you can get a synthetic media filter that will filter far better than the cartridge will ever catch , especially if you use synthetic oil that suspends contaminates instead of letting them settle to the bottom .
Its your tractor and your money , personally I'll stick with the adequate oem system even though I think the spin on's are just cool .
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Today's Featured Article - Madison's County - by Anthony West. Philip Madison has been a good friend of mine for quite some time. He has patiently suffered my incessant chit chat on the subject of tractors for longer than I care to remember, and on many occasions he has put himself out, dropped what ever it was he was doing, to come and lend a hand cranking handles, or loading a find onto a trailer. Although he himself has never actually owned or restored a tractor, he was always enthusiastic and always around helping with other peoples projects.
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