That's one sketchy air filter.
Here's the weird thing....it's not that dirty. That filter probably doesn't have 20K on it
Sooo......Either it was damaged by somebody removing the airbox in the past, or that jiffy lube is what the old time service station guys called "fanbelt cutters". The old trick of nicking a belt with your knife while inspecting the belt, because then you can point out the cut and make the sale.
Maybe you had an honest shop and the worlds strangest air filter failure. Or maybe the tech owns a box cutter. I'm not really sure, but have never seen that kind of filter failure in 25+ years of messing with cars. It's too clean cut to be mouse damage, and dry rot doesn't cut across filter pleats, it fails on the fold lines.
Here's a good rule of thumb for oil pressure.
Minimum of 10-15 at idle. If it's not ticking, then you've got enough.
Add 10PSI per 1000 rpm.
This means most cars cruise in the 30-60psi range and will shoot as high as 80 under acceleration or in cold temps. But it's all variable, and so is the accuracy of old, stock gauges.
100psi starts to risk blowing the oil filter off. It's really the weak link when talking about high oil pressure. If the filter hasn't exploded, you must be OK