I've picked up bug/water contaminated fuel only filling at commercial fill stations. Most commercial (or more correctly retail) fill sites are not using 'filters' - more a case of strainers with a fine gauze that will only pick up solids. The 'bug' as it was called actually wasn't cellular in form so we aren't even sure if it was bug or if it was a bit of water mixed with an additive or treatment of some sort. Rather weird though...
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