I Posted these before, but might as well add them here too. they are pics of my 03 KJ w/ about 20,000 miles on it and after running a K&N drop in for about 10,000 miles or so. The K&N FIPK intake on my wifes KJ showed similar yet not quite as bad, (only 13,000 miles so far on it) dirtiness and build up so it was on it's way to being a mess too. Luckily, I replaced the K&N cone filter w/ an Amsoil cone today.
I have not seen any more problems since running a Wix factory style replacement.
I had run K&N on many vehicles over the years and the vehicle prior to this was a GMC Safari van that also had similar intake dirt but I passed it off and still went w/ a K&N. I found the mess shown above in my intake and was pretty upset which launched me into finding more info on how poorly they filter. Naturally I found some of the same info that is in this thread and more. I was actually told by a former member of our club that he found the same thing when using a K&N and wheeling in the dirt and I ignored it and continued to support K&N. I admit I was wrong all those years prior and there is no way I would use their filters now.
BTW, I didn't see this kind of problem in vehicles I ran K&N in back in New Jersey but I attribute that to only operating those vehicles on the street, drag racing, etc and in a much wetter/humid environment. I also know very well how to properly oil and clean a K&N having done it hundreds of times so save your breath on that topic.
To each their own, I am only offering up what I have learned and what others know too. I think K&N has a place in motorsports but I really don't think that off road vehicles is the right place for them.