> A clogged filter can stress the fan motor which can A) increase power consumption and B)reduce overall product life.
you got it completely backwards, unless you have a very fancy and expensive ECM motor.
Increasing resistance decreases power draw, as the fan needs to do less work. You can test this by hooking up a vaccum cleaner to a killawatt and blocking the intake.
There may be concerns about cooling the motor, but it really doesn't take that much air movement to dissipate heat.