How screwed am I (tt250)

[Megadan]

The "filter" is only there to protect the oil pump from large shavings and chunks of metal. Think of it more like a kitchen strainer than an oil filter. The actual oil filtration doesn't use a filter at all, but is a centrifuge driven off of he crank sitting right next to the clutch. It spins the oil to separate the heavier metal particles out. All that is left after that is the very fine stuff that is so small it doesn't really harm anything.

Also, keep in mind that the CG engine design in particular is intended to be a bit "loose" on the tolerances so it can survive third world abuse (dusty conditions, infrequent oil changes using sub-par oil, etc). Even an "abusive" owner by Western Standards is going to give it far more care than it was designed to tolerate.