Alot of mention has been made about these drop in filters being bad as Vaughn has already said. I have ran K&N Filteration products for many years in other applications where dust is at a maximum and almost borders on insane. The dirt tracks around our area are known for being dry slick and very dusty and are kept that way to try and equalize the fields and the competition. In all the years I have been associated with the sprint car and late model we have never lost a motor to dust,nor seen any excessive wear due to dust bypassing the filter.
Anyway,the point I am trying to make here is this,as with any filter system the filter is only as good as the fit. If the factory air box is distorted for any reason(which happens alot as its a poorly molded product)it will allow for dust and dirt to pass thru the side seams and you to see the grime on the pinwheel. Another issue is over-oiling the filter after cleaning it and thats not a good deal either. When I buy a new K&N for any application I always remove it from the packaging and allow it to sit for the excess oil to drain off. I do the same when re-oiling it for intsall,spray it down after it has dried,lay it down and allow it to self drain off the excess. Most of the oils seen with the filters will be due to over-oiling them after cleaning and it can be done with ANY oil-based filter,doesn't matter what brand.
Obviously its your truck and your choice I only hope I shed a different light on the subject to help your decision. One last thing and I will drop out,Cummins & D-C do not allow for any air intake modification(aftermarket filters) and it would/could void your warranty. Do not allow the naysayers to make you believe its only the K&N version thats not allowed,its all of them. Hope this helps... ... ... . Andy
P. S. -I will now don my flame suit.