On my FZ6, it's enough to raise the front of the tank and prop it up.
Also, frankly, unless you're going to be racing, most people aren't ever going to notice the difference between different filters (personally I use HiFlo brand which work fine and are a lot cheaper).
Theoretically, IIRC K&N filters are reusable, so you might eventually save money in the long run, but that doesn't count the time spent reoiling them...