I think joemama's simple explanation is the best explanation.
I will add a couple things.
1. When determining air flow, don't forget to factor in the PSU's fan "IF" it draws its intake from inside the case - as most top mounted, and a few bottom mounted PSUs do. Bottom mounted PSUs that have their own dedicated intake vent that exhaust directly out the back should not be factored in.
2. Every filter will create some resistance to air flow. But that's fine. If it didn't, that probably means the filter is not fine enough to trap any dust. But note when clean, this resistance is very small. Even if packed with dust, a lot of air still gets through.
3. I use and recommend
Core Temp to monitor my CPU temps in real time. Under Options > Settings > Notification Area, I have mine set to display "Highest temperature" only. When I start to see my CPU go and sit above 60°C for more than a few seconds, that tells me it is time to clean my filters.
Just from the description of your setup, it seems apparent you are creating a "small" amount of positive or overpressure. A small amount is good. Not enough or too much can create pockets of stagnant and heated air. Not good.
I would not worry about testing with anything that creates smoke. In fact, I would not worry about testing at all! Just use your computer for a few weeks, monitor your temps and see what happens. If you notice a bunch of dust building up in and around your USB ports, expansion card ports, rear panel I/O ports, and other cracks and crevices in your case, then you most likely have negative or underpressure (a slight vacuum) in your case that needs to be corrected.
It should also be noted that dust WILL still build up inside the case, even with that desired, slight positive pressure and air filters. But it will take much longer to built up to the point it should be cleaned.
No one can tell you how long those cleaning intervals should or will be. There are WAY too many variables and everyone's specific scenario is different. Older houses tend to be more dusty. The number of dander shedding humans and pets in the house are big factors. The number of rug-rats running around stirring up dust matter. Rugs, carpets, or bare floors matter. How often you clean your home, the type of HVAC filter, how clean the HVAC filter, the outside environment, the number of hours per day you run your computer, etc. etc. all factor in.
What I can tell you is, with my old unfiltered Antec case, and 2 adults, 2 kids, and 2 dogs in the house, I used to have to lug my computer outside for cleaning about every 4 months. With my filtered FD case, that immediately changed to about every 2 years - though I still had to clean my filters about every 3 - 4 months.
Today, with no kids or dogs running around, I clean my filters once every 6 - 8 months. But that's my computer in my computing environment. Your mileage WILL vary. I also clean my filters before they really need it. I learned if I waited until packed, I ended up making a mess dust-bunnies while removing them from the case.
I used to think side panel windows were just a fancy fad. After all, it is what's displayed on my monitors that's important. But all my case's must have a side panel window, if for no other reason than it is simple to, once a month or so, look inside to check on dust build-up and spinning fans without having to remove the side panel.