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The indicator that the oil filter needs to be replaced is indeed indicated by a combination of signs like increased engine noise, oil pressure drop, and visible leaks. Each of these symptoms relates to the function of the oil filter in different ways.

Increased engine noise can occur when the oil filter is clogged and unable to properly circulate clean oil throughout the engine. This can lead to insufficient lubrication, resulting in higher friction between engine parts and consequently increased noise.

An oil pressure drop signals that the filter may be blocked, restricting oil flow. This can lead to poor lubrication and increased wear on engine components, as the oil is not circulating effectively to maintain optimal engine function.

Visible leaks can indicate that the oil filter is failing, either because it is improperly sealed or is aging and no longer able to contain oil effectively. This not only suggests that the filter may need replacing but also poses a risk for oil loss, which can further impair engine performance.

Given these potential indicators, recognizing any of these signs serves as a critical reminder that maintaining the oil filter is essential for engine health. Thus, the correct answer encapsulates the importance of these various symptoms as indicators for the necessity of an oil filter change.