Well yes it actually does. In my experience just about the only thing that will ever cause a filter to fail to work properly in any way is excessive dirt in the engine. Excessive grit and dirt in the oil will cause things like anti-drain back valves and bypass valves to fail to seal properly. Gum and varnish will cause valves like the pressure regulator or bypass valve to stick. When those valves fail then you have oil pressure problems. And of course a very dirty engine can plug the filter media. An excessively dirty engine can be the cause of a malfunction for any brand oil filter. I'm not particularly interested in which filter fails first under those conditions. Instead of fretting over that question it is a much more intelligent strategy to just keep the engine in a condition so that no filter can fail.
Yeah that is definitely correct - nobody wants a rattling and clattering when the engine starts. Fram is the #1 selling filter. Fram oil filters are on more engines than any other oil filter brand. One thing that tells me is that people are using them because they are not having the problems you say they will.
-jim