Thought the listing said it came with a SuperTech filter, which is Wallymart's brand. Time savings, mess savings, perhaps. WallyMart sells spin on filters for less than $2.50, last time I bought one.
Good point on shin busting, you see, I thought the filter area was a lot lower to the ground and kinda pointed at the ground. I thought that my shins would be more vertical and not in line with the wheel. But what do I know? I've only had a bike 2 weeks, and not ridden it most of those days.