I have had my K&N on for about 10,000 miles. My belief about the whole thing about K&N's letting stuff through is that perhaps the filter was not cleaned as often as it was supposed to. When I got the firerings done, they looked at my pistons and there was no sign of any "sandblasting effect" that I have heard about. I asked the mechanic who was working on my truck and he has had one for 50,000 miles on his truck and when he had his torn down he also didnt see any adverse effects. They need to be cleaned and oiled properly to perform correctly. I also believe that the area where you live may have an effect, such as dry and dusty. Just my opinion, not looking to start trouble.
On the other hand, I have had a fleetguard BHAF on also and the K&N is much louder, like others say maybe to loud sometimes on long trips. However a good radio can help this.