OK Tricky subject but this has been my take on it over the years.
firstly, oiled filter will not coat your MAF...unless you have over oiled them. the question is, are they any better than a dry filter ie: is there any point ?
Well it really depends what you are doing. Oiled filters date from the days when fuel injection was something you didn't really find in engines working in harsh environments so the MAF was not an issue anyway. Their capacity to flow almost unrestricted volumes of air, catch sand, dust and small furry animals without clogging made then the choice on building sites, desert racers and lawn mowers and dirt bikes etc. what most people dont realise or credit K&N with is times have moved on and so have oiled filters but the principle is the same , flow air, catch crap and dont clog. By making the filters thicker, finer and with ever improving shapes, designs and oils they have increased surface areas and their ability to trap even finer particles...............But so have dry panel filters.
In my opinion the only real advantage of a oiled filter is the ability to wash, dry and re-oil it but that said, Even K&N say you shouldn't need to do that more than once every 40k miles. Given the expense of motoring in general today anyway, would buying a new air filter ever 40k miles be a problem ??. Also given the likelihood of over oiling it which then restricts the airflow and totally defeats the object anyway..I would chuck it and buy a new one. Now if you are a dirt bike rider, dumper truck driver or Paris Dakar racer, then the advantages of a easily washable oiled filter become huge... almost essential, but on the road ??
I think a far more important question is WHERE in your intake track is the biggest restriction ? and that is most probably not the filter anyway...which is why people spend more on induction systems than the filter on the end of them.
I do know that for-instance, drilling holes in a air box will lose you power !! taking hot air from the engine bay is worse than taking cold air from a restricted std airbox . I have also seen test results that actually show vacuum's in corners of inlet tracks where you want high pressure much like back pressures in a exhaust.
Manufacturers of after market filters spend a small fortune on design and approach be it dry, foam, cotton oiled etc. i think they are all much of a muchness. Each has advantages but whether they will make any noticeable difference, like for like, over each other is doubtful until you get into F1 type territory. Their filtration properties are probably far more important than their minutely differing airflow properties.
One last point...i have seen Ducati M/C engines with stock paper filters and oiled after market filters do 100k miles and still run fine. I have seen many of the same engines do 10k miles on velocity stacks and be totally shot with pistons rattling in the bore,s. Air filters and oil and oil filters are the two main life savers of any engine, dont skimp on either.