I looked at the engine air filter and I didn't see anything special about it, Certainly nothing to justify $500.... Maybe $20. Sounds like dealer FUD to sell maint contracts.
My Compass did not come with the cabin air filter, but I purchased the filter for $20 at the dealer and installed it myself.
As for the micron oil filter that supplies the VVT assembly.... I was told by my dealer that you can only service that filter by pulling the head. Not sure if I believe that but until I see a service manual I'll have to take him at his word.
That should be enough to provide incentive to keep your oil changed.