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Bad: It gets dirty unfiltered oil circulating in the motor to slowly wear it out.
As INDYMAC says, it's just like when the original oil filter study perceverated on leaking ADBV sending "dirty" oil back to the sump ...exactly where it came from ..in exactly the condition that it was in. One pass is just about as good as another. You're in a continuum.
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Yes...but how would you know it is clogged and in bypass mode?
You won't, not without a mount that can manage differential gauages. I've used these on 9k old filters ..but don't take my word for it, just figure that the OEMs would be really jo's if they spec'd the 7500-10,000 mile OFI for various engines when mileage is used ..and 6 months-1 year otherwise.
You would need a very dirty engine to have a bypass valve open due to loading, imo.
The bypass valve and the pump relief valve are there to put slack in an otherwise solid transmission of fluid.