It is not actually as simple as looking at the manual. You need to take ducting layout into account, since there is a lot of air flow reduction from any ducting system, and some can be much worse than others. It definitely does cause your furnace to overheat if you drop below the required airflow rate, something that can lead to short cycling and even premature failure by cracking your heat exchanger. All of this is calculated out using HVAC software when a system is commissioned (in theory and in many building codes, but not so much in practice).
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.