Not surprisingly, my experience with air filters is their rate of debris fill is about 3 things: Environment, environment, environment.
I drive my vehicles in NC for ~9 months a year, and in MI for ~2 months a year, elsewhere the rest of the time. NC has very few unpaved roads, and from a MI perspective, there are NO insects in NC. MI not so much. I use K&N washable engine air filters and cabin air filters. And I keep the cleaning/oiling products at my place in MI. They never need to be cleaned when I'm driving in NC. In MI, some years I clean them twice in two months because I drive almost entirely on unpaved roads in bug storms. It's easier than stocking paper filters and allows for cleaning in remote hunting locations in South Dakota and Idaho, etc.