Some thoughts:
First, 99% of the filters purchased in the US are done so without the benefit of testing. This can be because of the fact that the contractor does not do the proper testing. But the biggest reason is that homeowners are the ones that make these decisions when they are in the hardware store or the grocery store. That is why I was hoping that someone with alot of experience could help by throwing out some guidelines. "For instance, systems over 15 years old should not use one inch MERV 11 filters." But I guess in reading the responses this is not realistic. There are just too many variables.
Secondly, I wouldn't be so sure about the statement that a throwaway is going to have less resistance than a pleated filter. There are two reasons for this. First, depending on the type of dirt involved the pressure drop on a throwaway will actually increase faster than the pressure drop on a pleated filter. This has to do with the increased surface area of the pleat. If the throwaway stays in longer than one month, this "dirty" filter will oftentimes have more pressure drop than a pleat in the same unit for the same period of time. (But of course everyone in the country changes their filters every month.) Secondly, the deeper media filters have very low pressure drops. In fact in our test chamber the pressure drop on a 4" MeRV 7 pleated filter is almost the same as the pressure drop on a 1 inch polyester throwaway. Also less efficient filters allow more dirt to soil the coil and have an effect on air flow, the cooling efficiency of the system and the pressure drop of the system.
Thirdly, in my opinion the biggest issue with the poor design of HVAC systems in residences is going to occur with the new "air cleaners" from all of the big equipment manufacturers. The "MeRV race" that is going on coupled with the introduction of systems with high initial pressure drops (0.31 IWC) is going to create lots of airflow problems.
Based on this discussion, it would seem that homeowners should insist on pressure testing of their system if they have a PM contract or in the installation of a new system whether for a new house or a retrofit.