I highly doubt the minimum wage junior high school dropout gas station attendant selling cigarettes and fried chicken knows what a 5 micron fuel filter is, Bob.
The theory that a sealed system with fuel injection assumes the system is, indeed, sealed. Unless there is a way to test it, how would one know just how good that "seal" is? My point is, a little extra precautionary measure won't hurt.
Checking the undercarriage when the car is on the lift isn't an option unless you own the lift and pay the insurance bills.
You're probably right ... I didn't sell chicken. LOL
Is it full serve where you are living? In NJ it is 'against the law' to pump your own fuel these days. geez, there I go again. Ask the 'island attendant' lol... "do you sell chicken, hey what about these filters".
Not a major but if you ever see the pump service tech or the Weights and Measures police there ask him or call 'corporate' and ask. The old 'spin-on' filters were labeled, the new in-line are not. I'm sure 99% of pumps have them as there is always some water in the bottom of the underground tank. BITD I had to 'stick the tanks' at the stat of and end of the shift. Always about 3/4 to 1" of water. Computerized pumps solved that for the drop-outs. They don't even know how to count back change, the register tells them.
FI cars run high fuel pressure, if it ain't sealed... you'll smell it before you'll see it.
Get under the car when your tires rotated or get an oil change, when did you have the trans fluid changed last. BTW: don't go with the 'flush' style, Drop the pan and change the filter.
I didn't say 'don't us a fuel additive', it brings peace ( ) of mind at worst.
I did forget to tell ya... The 'stuff' you put in the Diesel boat motors did three things, upper cyl. lube, anti-bacterial and anti fungal.
CAUTION: Beware of the dreaded "Diesel Bug" syndrome