The bike is a dual sport, and is used to taking some dust. The air filter really is in a bastard of a location, so no wonder Suzuki decided to use a dry one
One thing they forgot to do was to incorporate a bug filter. This should be placed over the air intake and is just a bit of fly screen with cable/zip ties holding it in place. That stops the big chunky bugs getting in there.
Now, both of you have replaced the original dry filter with a wet oil type and fair enough, if you are only riding road and for short seasons(because then you would normally clean the bike and do the needed things ready for storage) then I doubt the air filter would get in any way clogged enough to drop the power to be noticeable.
But, what you take away from the bike is the ability to ride long days in dust and other crud, whether leading or following(or solo). And by this I mean, unless you plan ahead for this and take a cleaner and oil, and cleaning container your air filter is subject to the conditions, and your engine performance etc subject to same.
Consider on the other hand, using the OEM dry filter. After a hard weekend chasing your buddy down some nice firetracks, or worse, bulldust or fesh fesh, you then feel the the bike is not performing as well as it could, what can you do? Well, with a dry filter, take it out, bash it on the closest rock or the back of the bike and re-install it and go have some more fun
Do that with a wet filter, no way, it is going to choke your air intake until it is cleaned and reoiled, unless you take th eclaning kit with you.
But, each to their own, just giving some cheap advice that may or may not be handy