A 5" MERV 10 filter lasts a year in most homes and costs around $30. A MERV 16 is 4 times that much and will fill up faster since it traps super fine partical that pass right through a normal filter. Unless you have health issues that require living in a clean room a MERV 16 is overkill. Because of the larger surface area of a 5" filter they are less restrictive then the same MERV rated 1" filter.
Good for your equipment and good for your air quality to use a 4" filter
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