Rust from a failing sender unit could easily clog a 'pre-filter' close to the tank, especially if it's undersized, like it sounds like you're describing the OEM BX filter to be.
I forget what the Racor micron level is at the moment, but most of the filters on tractors get down to fairly small particulate matter that might be hard to see with the naked eye. As you mentioned, the size of the OEM filter may not be large enough to not clog frequently, especially during freezing weather when large quantities of particulate matter, and gelling combined would likely jam the filter sooner or more often than in milder weather.
Chilly807, Your point about a final filter on marine applications is a good one. I can't recall if my Yami is setup that way or not, but it is very specific about using their large fuel/water separating filter to validate and extend the factory warranty program a full year beyond what is offered without use of their filtration system, if I recall the details correctly.
When I bought my Raycor filter for the Merc Optimax I owned at the time, I bought a separate stainless steel filter head, in place of the painted metal one that came with the filter package, because of salt water use. When I re-rigged to the new Yamaha motor I kept the head unit and put Yami canister filter on. It is a huge volume filter, twice the size of the squat sized Racor. So far I've had no issues with fuel on the new motor; it's starting it's third season this spring/summer-(the engine, not the filter

)