the pressure across the filter is only part of the resistance. There is also internal resistance. Many units have an allowance of .5" water column plus .1" water column if the internal filter is removed. The typical air handler uses up about .4" of water column of the .5" wc total, or .6" wc allowable with the internal filter removed. If your filter is .3" wc and the internal .4" wc -= .7" wc total, then you are already over the limit set by the manufacturer.
What I have learned is that very few HVAC companies even look at this area, or know how to do the calculations. They install a basic MERV 1 filter and know that will give the best air flow. If the coil gets dirty the worst that will happen to them is another profitable service call cleaning the coil, and maybe the ducts too. If you put a high MERV filter in and the system isn't designed for it they get to sell you a fan motor, maybe control board, and at worst a whole new system.
I'll give you a quick example using my system. The HVAC installer in 2005 suggested we put in a second filter to pull from the back of the house in the ceiling. Done. 14 x 24. They ran a 12" flexible duct from it to the area above the air handler and then a 3.25" x 14" wall stack down to the return. The 14 x 24 added 338 sq inches of filter area - perfect. The 12" flex duct will flow up to 480 CFM - perfect. But the 3.25" x 14" wall stack will only flow about 100 CFM - or very little so it wastes the whole purpose of the additional filter.
Since California has gotten involved in this area trying to improve energy efficiency, it will be harder for the HVAC and filter industry to hide behind advertising campaigns and pretty packaging. Normally I don't like government intrusion but in this case I hope it will be a plus.
You can get duct flows here:
https://www.buildingincalifornia.com/wp-content/uploads/2014/03/duct-sizing-chart.pdf
Here is a good video on measuring static pressures in your system. It makes the understanding easier.
And the chart on your filter will look something like this if the manufacturer is already for the new code. Remember that the total you have left to work with after including the internal furnace air resistance is .1" to .2", which combined with say a .4" internal resistance would give you .5" to .6" total. In the case of this filter, what ever size it is, you would need 2 or 3 of them for the average 2 - 3 ton AC from my understanding.