Two reasons for adding another filter - reliability and convenience.
Stock filter is a MAJOR PITA to drain and replace. Bad enough in your own garage or driveway, but I wouldn't want to attempt it out in the boonies on a long trip, or on the side of the road at night. Another filter ahead of the OEM, in a more accessible location where you can easily drain/replace/bypass it, would in worst case when it clogs still leave you with the stock filter to get you home. Been there, done that.
Also cost. OEM filter will run upwards of $30 or better, aftermarket filters half that or less.