Had both my trucks in for service ( not related to engine oil, ) and asked the Cummins tech at the dealer, how the oil flows through the filter. He said the oil flows in the big hole in the center, and back out the little holes around it. When I told him abought what was discussed in this post, he said that he had seen small pieces of aluminum in the oil jets, and other parts that caused an engine to fail. But he had not seen one fail because of foil from an oil bottle. He also suggested to fill the filter but, not all the way too the top.