Just a passing thought through my brain at 7:30 this morning!
>
> If I took the air filter (just the paper element) out of my car what
> effect would it have, aside from the risk of contaminating the engine
> with airbourne particles and other crap?
In the short term you might notice a bit of extra power, depending on whether it's a carb or FI. You might also notice a bit of extra induction noise.
In the longer term your engine would wear out a lot quicker.