K&N are crap. I take them out and put them in the trash.
K&N are designed for higher airflow for racing. How do you get more airflow? By more surface area, or bigger openings. Hold your K&N up to the light and you can see what method K&N uses. Race engine get torn down and rebuilt every few races. A little dirt is no big deal with that kind of rebuild. Car engines don't. They have to last 200k+. A little dirt over a long period of time is not ring healthy.
I have dirt bikes and other off road toys. I normaily run UNI 2 stage foam filters. As a test, I swapped on a K&N for a good weekend of riding. It was a lot of fine silt, but nothing I have not done before.
I did the end of day cleaning and check on the air filter.
To my horror, the filter trapped a lot of dirt, but had also passed a lot. The carb and intake had a fine layer of silt. I have never seen that before with my foam filters. I had to turn the bike upside down, rotate the engine to TDC, and spray carb cleaner inside the engine to clean it out. And remove and clean out the carb.
Yes it was installed correctly and the messy grease was applied around the lip of the air filter. I found no big holes or methods of dirt infiltration. It's by design. I will never run K&N again. I have a UNI or the stock oiled paper filter all my toys.
In my Toyota truck, since I live down a dirt road, I run the stock fuzzy paper filter and oil it. I have the flapper style MAFS that is not affected by oil. I change it about every 3k. No cleaning, just toss it in the trash and pop in a new one. And it's dirty too. This combo seems to trap a huge amount of dirt. Next to a film of oil from the oiled air filter, my intake is spotless.
I lost the link where someone did a scientific bench test of air filters, K&N was near the worst, but I do have this test.
http://www.bobistheoilguy.com/airfilter/airtest1.htm