Thanks for that respectful perspective.
Since I did not change filter for reason stated, I disagree. The oil looked brand new, and I doubt there was all kind of gunk in there but the filter just caught it after 550 miles, and now reached it's filtering capacity. In fact, after 5k miles I would think it very important to change based on oil appearance alone! My oil is always black after 5k. So yes changing it initially is best, but in my situation, I would bet anyone that I am not damaging my bike by waiting for 5k. I do love my bike. Thanks for the thoughts.