The point isn’t that the HEPA filter won’t work under those conditions, it’s that if you can get away with not separating the clean and dirty air, you can achieve better filtration overall with a higher flow, lower resistance filter at a lower noise level. HEPA filters shine in use cases where you need single-pass filtration, like vacuum cleaner output filters or clean room air filters. If you don’t separate clean and dirty air, the filter will still work, but you aren’t taking advantage of its main distinguishing quality, which is its single-pass filtration performance.

If you get to recycle the air through the filter several times, MERV-13 offers much better performance tradeoffs for a residential air purifier because you can recycle the air through it much faster at acceptable noise levels. My home air purifier recycles the volume of my home every 15 minutes or so, vs HEPA filters which produce totally clean air, but since it just mixes with the dirty air that doesn’t matter as much as the rate at which it cleans air.