depends on why it's only rated at 12h. If it's due to moisture, then you need a big assed water trap and ideally a coalescer after it. That will knock out nearly all the water and oil *.003ppm if it's a good one* and that will leave the actual filter cartridge doing very little. I use J-series from Parker where the coalescing elements are about $150 to replace. The nice thing with these is with a differential pressure gauge on the coalescer you only replace it when it gets clogged which is many many thousands of cubic ft. They are designed to be an annual replacement item on industrial scaled compressors, so on a tiny 4cfm pump with intermittent duty, you'd probably replace it every 5-10 years or longer.
Your current filter cartridge goes downstream from that and then only needs to get rid of the small trace elements of oil, convert CO to CO2, and potentially scrub CO2.
Now, these filters aren't cheap at about $1k each, but if you get already have a dedicated water separator *you should*, then you may not need that, and can just add a single coalescer. If you want to go whole hog, you can go water separator, pair of coalescers, and an adsorber. All of those will give you cheaper long term filtration and the only thing in the cartridge is the CO catalyst and potentially activated carbon