My Ford Ranger has its fuel filter readily accessible and I change it in accordance...?

with established maintenance schedule however, my 2000 Acura 3.2 TL (139K miles) has its fuel filter (sock) attached to the suction side of the electric fuel pump located inside the gas tank. Obviously it's much harder to replace it and no way of checking it except conducting a fuel pressure test. How long do these filters last before they start affecting fuel flow? Or, just wait until you experience engine problems I guess.