Usually what i see is idle gets lower, lil more black smoke, and some less power
I always keep a spare filter, pair of nitryl gloves and a plastic bag for the old filter on hand. The electric pump is great for priming so you don't wear down the battery cranking the engine or risking contamination trying to fill the new one from the old one. I've noticed that top speed and acceleration decreases when the filter starts to go bad. At highway speeds there's enough suction from the charge pump to keep things going but as soon as you slow down, the idle isn't there. Also starting will be harder. A couple of times the failure was immediate. I'd notice a slight drop in performance and within a mile or two complete failure. Once had to bypass the filter and run it straight just to get home. I was changing them almost twice a week in the early days of SVO experimentation so I know how expensive it can be. NAPA was charging $14 for the MK1 filters.