It occurred to me that I change the filters to the upstairs system about every month to six weeks. I looked it up on the web and sure enough, the downstairs filter should be changed every three months, not years! Feeling silly because of course this makes sense, it seems so ungrateful to forget to change the filter on this very nice system which was an investment. I hate to think about the dirt involved that we were trying so hard to get rid of by putting in a new air handler in the first place!
These four to five inch filters are not available locally and were ordered online.