Thanks Greybeard, I appreciate it. You're right, 6 months is a bit of a generalization. They may last shorter or longer periods of time. You could be more smart about it and replace as needed, but it requires testing and diligence.
To know when the prefilter needs to be replaced, you have to monitor pressure before and after the prefilters. When there's a pressure drop, at least the prefilter needs to be replaced. Depending on the quality and size of the prefilter, the carbon blocks may need to be replaced too, as they can plug up with small particulate matter also.
To know when the carbon blocks need to be replaced, really the only good metric that I know of is chlorine breakthrough. If you test your membrane waste water and find any chlorine or chloramines, your carbon blocks need to be replaced immediately. You mentioned you don't have chlorine because you're on well water, but for all other reefers, chlorine will ruin an RO membrane in very short order, so it's sort of a "stop everything and replace this filter before making any more water" deal, which can be pretty inconvenient.
If a reefer is willing to deal with the hassle of testing the pressure and chlorine/chloramine breakthrough, then the 6 month rule doesn't apply. You'd probably save a lot of money replacing when you need to as opposed to just blindly replacing every six months (this is what I do, I test and replace as necessary). But, it requires constant vigilance or you're going to potentially fry your RO membrane (again, for those with chlorine/chloramine in their water).