@Ionus,
OK let's have a look see:
The "carbonising of oil" (spelled carbonizing) would not likely be from "a higher level of suspension particles" but more likely from excess heat (assuming such carbonizing was to take place) and I am not suggesting it necessarily would by any consequential amount over the life-span of the oil under normal operating conditions).
The "wear increasing because the particles are now making contact as well as the oil" is not the case by any great amount as the oil filter removes the particulates that could cause the wear you refer to, in fact suspending the smaller particles is less problematic then the alternative (that being sludge).
Bottom line as discussed, the oil-related engine failures with modern oils and modern engines are few and far between.