This whole naming thing just tells me Ford has too many pencil pushers sitting on their hands. They have a brand called Ford and 100's of trademarked names they could use to name a car or two. Ford making cars again would be pretty cool. /s
Stock Motorcraft filters are surprisingly cheap. I replace mine twice a year. I've seen more bad oiled filters on cars than I can count over the years.
Going with insurance (though I'd hate to do it) would be the less headache for me. Dropping off/picking up from a body shop is just way less hassle than any other way... Unless I could order the parts already painted.