Can be different depending on where you live.
Gravel/small stones can hit engine without driving in the outback.
When they restore roads.
An asphalt grinder has grinded off a layer of asphalt before a new layer.
Small stones can be left, follow the wheel and hit the engine.
They are often a little bit sticky.
I prefer the original robust filter housing.
My car has a spin on filter, but it sit covered by a cover under the entire front direct followed by another cover under the gearbox.
Debris on the road another thing. Small metal parts like the one that caused the end of Concorde when it crashed in France.
My cars have hit such things I had to inspect to not hit a brake or fuel line. Fill the scratch with primer and bitumen as rust protection.
I have also ridden in Europe. From Sweden to former Jugoslavia, Italy and Spain. Over Denmark, Germany, Austria, France and Andorra.
Debris on the road is rather common after a recent crash. Autobahn crashes were often a huge debris field.
Roads in the Alps and Pyrenees are not always that good. Farmers tractors spread dirt with stones as they do here each spring and fall plus cars spreading the gravel outside the asphalt in curvy parts of the roads onto the roads.
I should never replace stock well function oil filter setup.
Different if bike should be a show bike never ridden on roads.
Forgot to mention that small stones are rather often stuck between the cooling flanges on the stock filter cover.
Very seldom rides on pure gravel roads.
