>you are going to have to clean it either way.
"Net free area" is the concept used to rate screens and vents for houses. It is important because it tells you what the equivalent size hole for ventilation would be. Contrary to what you might expect, screens that keep out bugs block air flow a lot. Reduction by only a factor of 2 would be good. I doubt if the free square area of anything that filters out dust could be more than one fourth of the physical area. That means your air flow is reduced by a factor of four. Since the amount of dust is proportional to the volume of air passed, the amount of dust would be reduced to one fourth just by the reduction in air flow. As the filter accumulates dust, the free square area goes down, reducing air flow and so dust going into the case. No wonder the case stays clean.
Like 0roo0roo says, don't kid yourself. OTOH, if the exit air is just a couple of degrees warmer than ambient, your flow-through air is probably just fine. The primary function of the case fan is to keep hot air from accumulating inside. Multiple fans can help direct air flow where it is needed. I mean, if the air bypasses the hot stuff, the air going out will be very cool, but it would be pointless.