The set I have always used costs about £10 and when the R.O. was younger I changed them about every 3 months.
My R.O. is over 6 years old now so I don't change the pre filters that often maybe once a year.
The sediment filter will work as long as it doesn't fall apart, the only thing that could happen is that it might slow down production if it gets blocked, this has never happened to me even after being used for more than a year, so I wouldn't be concerned about it.
The carbon filter is the most important as it protects the membrane from chlorine in the water, again I just buy a budget
one of these and it works for me plus I don't pay much attention to the usage allowances.
Remember what you are actually doing is protecting the cost of the R.O. membrane which some OCD types seem to
forget and end up spending more protecting it than would replace every couple of years.
Put it this way the £40 sets that your talking about would more than likely last about 3 months with average water production,
so over 2 years they would cost you £320.
A new 4040 membrane is around £200 plus vat.