It depends. We'll assume that the oil meets current API rating and that the OEM interval is the limit of usage. That answer is neither at that point.
Besides the occasional big chunk, the filter is there to trap larger insolubles from the combustion process. From my brain picking, these fall into two classes. Filterable size and around the 2um range. As long as the filter has enough holding capacity for the amount of material you're shoving its way, the finer filtration really isn't an issue. That would come into play if there was some extended oil drain. Otherwise, you're refreshing the sump in a timely enough manner to prevent the smaller stuff from being too numerous (too much total stuff) for the oil to keep small.
If you go for the longer haul, or are willing to use them over two OCI's, an upscale filter may make sense. They build in the higher holding capacity to manage it. Otherwise, your standard filter should be of adequate capacity to manage the insolubles over the normal OCI.
If you've got a robust oil designated for extended drains, then it's a toss up on whether or not you need ultra fine filtration as long as you have the higher holding capacity.
Filter efficiency is plotted on a curve. Even your alleged fine filters aren't all that fine at the time of being put into service.
Yes, air filtration is more important, but I really don't see too much distinction between a Fram or a Wix/etc. People can whine about fit and finish and whatnot, but all pretty much fall into a decent acceptable range of performance.
