As a licensed contractor for 14 years I recommended folks use a pleated filter. MERV 8 was my standard filter, but I offered MERV 11 for special needs customers (allergies, fine dust areas, specialized applications). Problem jobs (excessive noise or airflow restrictions) I'd call in an air balance specialist and do what they recommended. Only had a few of those.
The local Flanders dealer offered me a great deal on special sizes, and they took standard size filters and cut them down professionally to what I needed at a $1 a cut. I told my customers with the types of conditions in our area to change filters once a month. And to do it when the electric bill came in - cause the utility is never gonna fail to tell you it's payment time!
And I told customers if they bought filters a dozen at a time, I'd deliver them for free. Then they'd be set for a year of monthly changes, I could collect when I was there taking the order, and fit them into my route later when they were ready to be dropped off. Worked great.
I used this kind of filter
<p style="text-align: left">The PerfectPleat ULTRA is a high-capacity self-supported pleated filter with an added antimicrobial to preserve media integrity, especially in high-moisture environments. The low-pressure drop and high dust-holding capacity can help reduce energy use and overall...
www.aafintl.com
These had the added benefit of an anti-microbial coating. So any entrapped mold or allergen spores captured with the dirt wouldn't proliferate during the month.