I have a wry smile reading this thread. It seems imo, the purohaters are so salivating at the chance to condemn using a Classic for 4k, no attention even paid to running synthetic oil for 4k miles.
Based on 'recent' posting examples here of similar fcis using the L14610, it will likely hold up just fine for 4k miles. That said, synthetic oil when run as designed and a Classic filter are a mismatched combination imo.
So in answer to the question asked "am I being cheap"? I would say it's much less about being cheap for using the L14610 for 4k miles which is reasonable for that filter, than it is about being wasteful running synthetic oil for 4k miles in said vehicle.
Seems to me if you are really "an overkill guy", since you mention Wally World convenience option, buy an Ultra also sold at WM and run it also 4k miles. That way it would be not maximizing FU filter use in addition to the oil. Really overkill and wasteful.
Or you could run synthetic oil 4k miles and use the Ultra twice. That would be somewhat less wasteful and a bit better roi.
Or and the best choice imo with the WM only purchase option in mind, run the synthetic oil to at least 10-15% Honda MM or owner manual oci recommendation (whichever applies), and use the Ultra two ocis.
My .02