Yes, the longer the OCI the better it is to use a higher efficiency oil filter. If you changed the oil very 1000 miles on a broken in engine, you probably wouldn't need much more than a fine screen as an oil filter.If you want to argue that removing that extra 4% of 20um particles is meaningless in the real world of engine life I wouldn't disagree with that too much either.
I suppose you could argue since your changing the oil so often anyway, that your removing all particles from the oil regularly anyway - so 99%@20um isn't needed. Perhaps this is what your saying?