Of course, you must be correct. I have a mere 30 years as a mechanic and engineer.
The acids and other soluble contaminants do NOT stay in the filter, but continue circulating.
Oh, and if the filter is clogged by the debris it has filtered out, NOTHING gets filtered, because the bypass opens and allows everything to flow unfiltered.
You may prefer to change your filter every other time, and that’s your prerogative. I’ll change mine when I change the oil, and recommend others do the same. YMMV.