MERV 3 is really really minimal filtering. Your furnace almost certainly is designed to take better filters than that.
As can be seen, this is an issue during the heating season, not the cooling season - which is when many people are fighting smoke. If you actually pay attention to home maintenance, you can go for the better filter in the summer, and drop down to the minimum or close to it during the winter.
I’m actually very curious about more intelligent systems. Those that can:
- bring in outside air on occasion to freshen things up
- negotiate the best way to cool a home depending on outside air. It drives me mad when my AC kicks on and it’s actually colder outside.
All HRV's do that. "single room recuperator" from aliexpress is in every flat after renovation in Lithuania.
You’ll draw in a lot of dirty outside air with that setup if you don’t block/reduce outside air intake. It will still go through a filter, but it’s going to cause the filter to dirty very quickly.