Coincidentally, the gaps between many moving parts in your engine are between 2 and 22 microns in size, depending on the crankshaft position. This means that if there are contaminants in the oil that are no smaller than 25 microns (if the spin-on is doing its very best work), you've got engine wear taking place as long as the engine is running.
Currently, the OEMs are dealing with this contamination by having us change our oil and filter every 5,000 to 7,500 miles as the oil gets saturated with contaminants to the point where it won't provide the minimum protection our engines need. This remedy is the "good enough" solution provided by the OEMs. However, there is a plus to this equation; they know an engine will only last so long before "Y'all come back and see us again."