In the 5 1/2 years daily driving, never had an issue.
I saw a video on YouTube showing how that liner pushes back when plowing through a big ass puddle, had me a little worried, plenty of regular Raptors ingested water and blew up the engine.
So I actually did a little modding on that wheel well liner to keep it from folding back against the tire when plowing though puddles.
Seams to work pretty good.
It's a universal return spring that I punched though and bent over, the other is hooked on to what I could find.
This will let the wheel well liners flex but not bend back and allow a ton of water from gushing up to the filter.
I only used one spring but I'm not looking for puddles or off-roading.
I was going to add some sort of foam padding to the space between the liner and the head lights but I thought about it some more and knew if I did that, it would prevent cold air from getting to the intake and suck more hot air from the engine bay.
And yes the filter gets wet but that's why I change the filter often, the oil does repel water and what little water mist may if any comes through will act like water injection. LOL
Winter and dusty roads are the biggest wear on the oil on the filter, so you have kind of use your best judgment on when to look and replace when needed.