The filter is definitely capable of taking care of any debris or they wouldn't use it. It'd be crazy for them to recommend things that are going to hurt the engine in the long run. Why put themselves in a situation where they have to do added warranty work? Honda recommends running oil change intervals purely off the maintenance minder. I've run a couple hundred thousand miles following nothing but the maintenance minder without issue. In my driving experience, I'd usually end up running around 7500 miles or so between oil changes following the 15% oil meter suggested drain interval. It calculates cold starts, rpms, idling etc to determine oil useage. So if you have a bunch of long highway miles it'll be different than driving stop and go in the city. Everyone is going to do whatever they feel comfortable with, but I see no issue in following the engineers suggestions. If their suggested drain intervals were negative, it'd hurt them with repairs and even resale value on the used market if they get a bad reputation.