That may not be as logically conservative as it seems, manufacturers have a commercial interest to churn sales, setting a shelf life for commercial reasons, not technical or physical longevity, is common. Other reasons are the unpredictable complexity of shipping, downstream use and storage. Some filters, like Fram, I don't use regardless of age. On the bus from their plant, nah.
In my 70 years I have cut countless automotive and industrial filter elements apart and found all types of debris, never a filter element that the media just came apart as described "detioriated" ....... as long as it was an oil application. I have found detiorated filter element media where an automotive filter element was used for chemicals, aromatic fuels or solvents. Water with a high sulfur content can get so acidic it will cause media failure.
I have also started abandoned equipment that sat in a field for a decade, it's oil filter when changed was just dirty, but intact.
Maybe someone with direct personal experience with an age failed filter element can tell us about it? I have been unable to find one.
Be happy, change oil often, use quality filters and keep up with oil condition.