My Ford had the original fuel filter still on it from 1995,only reason I decided to have it changed was it was getting so rusted I feared it would start squirting gas out of it somwhere far away..

..its a big can filter though,it'll hold half a pound of dirt before it'd clog..but when I blew thru it after taking it off,it was pretty restricted compared to the new one,and nasty looking brown stuff came out of it..
Maybe where I live still has a lot of older tanks at gas stations ,or people contaminate the gas themselves somehow,I've helped my friend drop a lot of gas tanks to do fuel pumps and almost every one has at least some water floating around in the bottom of the tank,or some crud like leaves and silty red rust in them..many cars he works on never had a new filter till he changes them,and many that had dead electric fuel pumps also had a nearly plugged gas filter that likely hastened the pumps failure..
I'm not saying its not possible to go over 100K on the same filter,my car had 141K on it ,and the one on my moms 93 Caravan is still original at 93K too...but its pure luck neither one ever got a tank of crappy gas..
Stil,I say its not

rogress" to hide the filter inside the tank--just like the fuel pump,which is also dumb in my opinion..yes,they might last longer being submerged,but the amount of labor to replace one is a waste of effort,when it could be so much easier--.200+ bucks for the pump and that much more if the sending unit is all rotted is not exactly cheap,compared to a mechanical pump on an engine or an externally mounted electric one..