The recommendation, as I understand it, is to change when vacuum becomes unacceptable, or once a year, whichever comes first. It's much like oil changes, and many, many other things on any machine where there is both an operation time (hours/miles/km) trigger, and a calendar days trigger for replacement.
On the Racor filters, I understand that the water repellent coating on the filters degrades over time, and that running for longer reduces the water separation performance.
I agree with O C Diver that annual changes are really cheap peace of mind, and the path to trouble free boating
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