I do the auto myself which is ok so long as you inform your better half who's sitting in the cab not to run over you. :D
For $65 for a full set of td5 filters I change them all every service. Even the centrifugal one. I know it's overkill but as you state it's cheap insurance.
It's surprising how cheap the rover filter sets are. My wife's old Volvo S40 was over $100 for 3 filters (oil, air and fuel) vs $65 for the td5 (2 oil, air and fuel).
Pricey

