It'd be better if I could get by with a 16 x 20 x 1 filter, then I'd only have to stock one size.
Thanks for the explanation on how a cap works. To install, I could remove a small portion of the insulation, solder the cap legs to the wires, then re-insulate, right? Doesn't seem as if there would be a concern with the cap polarity.
I've got a weird work schedule for the foreseeable future, so it'll take a while to test the various methods and complete this project. Thanks for all the input, I'm sure at least one of the solutions will fix the problem.