The oil filter looking type does an excellent job .Its typically a once a season change.Best to take the filter upon the change and pour the contents into a clear jar or container for further inspection.Pour the contents and let it sit for a few hours and check out whats in there as far as water or particles.If its a mess then consider a twice a year change....if it looks like regular ole fuel, then you are on point with the seasonal change. BTW...NOT a stupid question. Charlie