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Provided you always use quality fuel brands and might have minimal dirt in your tank, you might be so lucky to run near empty and never find a problem for the life of the car. But for the unlucky souls who do somehow end up with a lot of dirt/debris in the tank, why make things worse by giving the dirt a chance to get sucked into the fuel filter?
My point is if there is dirt in the tank, it will settle on the bottom and if you get to a point where you are sucking up the gas near the very bottom, there's a chance you will also suck up the dirt with it. Sure, your fuel pump will probably pick up any potential dirt as it floats around the fuel but the most concentration of dirt is when you have lower levels of fuel, so you have more of a chance to suck up that dirt when you are low.
Of course, this only applies if you have a dirty gas tank. Urban legend or not, I rather be safe than sorry.
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