I read on the internet, that HEPA filters actually just filter better when they start getting clogged. But clogging increases air resistance, so you need higher

I read on the internet, that HEPA filters actually just filter better when they start getting clogged. But clogging increases air resistance, so you need higher power level in the fan to get the same throughput. So the economics calculation is, the cost of new filters vs. the cost of electricity of running the fan and eventually the cost of a new fan. And the comfort factor is more noise when the fan is running at higher power level. So running the filters a long time before replacing, might be the cost-saving option.