Both important points for sure ZEE!! And funny that Fram and oithers have speced their filters with way lower settings than Subaru's requirement. Funny that the internet is not rife with claims of destroyed subarus that have used hundreds of millions of low bypass filters in the 20+ years that Subaru has required that hisettiong..oh well...A filter that flows better and has a higher holding capacity doesn't need as high of a bypass valve setting.
Like said many times, the bypass valve setting is based on the filter design as much as it is on the vehicle the filter is used on.