Your recommended 3 year fuel filter replacement schedule, is bovine excrement
A partially blocked fuel filter will only result in reduced rpm/power
A completely blocked filter will not allow your engine to start
Neither of the above conditions will do any damage to your engine
IF your filter allows for visual inspection (the only sort worth having) check for media contamination - Replace (or clean) if evident. - Continue to use if appears clean.
Fuel filter blockage results from putting dirty fuel in the tank and or allowing contaminates (dust/insects/etc) to enter your tank
Good refueling hygiene will extend the life of your fuel filter almost indefinitely
Use a filter funnel when refueling.