I agree that the OEM filter will trap/catch the larger metal particles.
The OP ask for "thoughts" on an earlier than usual oil and filter change. So do, many do not. Thankfully, we each get to choose how we take care of our vehicles, what we spend our money on, or not.
I have driven 2,000,000 miles in my life on my own vehicles and never had an engine problem. On every single one of my new vehicles, at 500 miles I changed my oil and filter (using replacement break in oil when the OEM did). I change the oil because the smaller particles that do not get caught in the OEM filter are still going round and round in our new motors, sanding/abrading metal parts, and getting rid of the oil at 500 miles, removes the very small metal, caused during initial break in process.
Any if no one else on this forum changes their oil early, fine with me, for I was just responding to the OP's request for "thoughts."