Seen far dirtier filters than the OP's (can still see white on his) with no ill effects other than smell. I've driven cars for 10+ years without ever touching the cabin filter.
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2011 370Z 6MT Sport Gun Metallic | ARC | CJM | Ecutek | FI | Fujimura | R2C | SPL | Stillen | TWM | Z1 | ZSpeed | |