The ticking time bomb under the hood

Based on that kit, I would think aftermarket filters would be a wise investment then. I installed a kit on my Dodge truck because the factory filters are just not effective enough to protect the injectors. Looks like this and costs $260. Includes everything including the pipe cutter. One is a water separator, the other 2 micron filter. I've installed 3 kits now, mine, my brother and my neighbor's trucks. About an hour job once you know how.
http://www.dieselfuelfilterkits.com/03_12_cummins_fuel_filter_kit.html