I decided to go with the opposite approach.
Rather than assume my primary filter would plug, then install a "back up", that sits there doing nothing 99% of the time, I chose to take that second filter and put it to good use. I installed a Racor 900, and a Carter rotary vane fuel pump as a high turnover, 2X per hour, dedicated fuel polishing system that runs when ever the engine is on. It can also run with the engine off as it has done multiple times over the winter. It has kept our engine filters spotless even at 3 years and 360 engine hours..
This is what our polishing filter and secondary engine filter looked like after three years.
Polishing filter at 767 Hours & Secondary Engine Filter @ 360 Hours.
The engine primary filter, a 10 micron Racor 500 element is not really discernible from new even at 360 hours..