Changed the cabin air filter on my 95 SE last week. I went really slow, following the FAQ instructions. Took about 30-40 minutes. You could do this in 15 minutes if you're snappy about it.
Old filter had some black dirt/dust buildup, but it wasn't *extremely* dirty. Based on others' descriptions, I bet it was not the original one.
I don't know if I was lucky or skillful, but the black plastic cowl went back together quite easily, and with the proper fit.
Used the Motorcraft from Murray's. $18.99. It didn't look to be quite as high-quality as the old filter. The filter element seemed similar, but the other portions seemed lighter-duty.