Wondered the same thing. I got to pricing them out at one time and most manufacturers are pretty proud of them, then I got to looking for a place to mount one and every place I found didn't allow for easy access to service/drain it. But even tho getting to one would require taking the bonnet off, I still think it would still be a good idea.
Course I just went over 400 hrs on the original filters so I guess I shouldn't complain too much
Wow, I guess I just assumed a fuel/water separator was standard on a diesel tractor. At one point I was a boater and they were standard on every diesel engine I can recall, and just about all of the gassers too. On gass engines, which I had, the filter itself would separate water from gas. Can you not get a fuel filter with similar properties for a diesel?