Curmudgeon44
Dryer sheet wannabe
I'm surprised that someone doesn't make a simple manometer to measure the air pressure loss across the filter. It seems like it would be a lot more objective than holding the filter up to the light.
I have installed a manometer to monitor how long it takes for the pressure drop to get too high. In my house the answer is almost forever. This was after many months of following a discussion board populated by HVAC professionals. They did indicate a filter would work more effectively as it loaded up... a high end Honeywell model thermostat can actually measure the energy to push air, and therefore tell you when the filter becomes too restrictive from accumulated dirt.
Many of them badmouthed high MERV filters because so many duct designs were already restrictive and could not function well with the added pressure drop of that kind of filter. But almost nobody measured this, they tended to adopt a narrative and apply it as if all houses were the same. Sorry to say math is not their strong point.
If you want to simplify down to one variable, have lots of filter area so filter face air speed is lower... then your pressure drop will be low, probably your air flow better, and the parts will work better together. My house has added filter grilles to achieve this.
Hope this helps.