AMENDMENT TO POST
Well, since I started this thread, I reserve the right to rescind....
I'm in the midst of my 30K maintenance, and I just pulled the cabin filter....while there were some nice leaves, etc in the filter, I'm fairly sure the green media for this filter is pretty worthless. So, I'm not recommending this mod.
I've just cut up a 3M Filtrete filter and replaced it. I bought the 20x25 filter for about $15, and looks like I can get about 8 or so cabin filters out of it, so I'm recommending that.....
Next up...plugs and diff/transfer fluids....