The "every 3 months" thing is just a baseline for clean homes with nobody shedding all over the place. With a dog in the house and dusty summers, you're probably looking at checking it every 3-4 weeks instead - hold it up to a light and if you can barely see through it, swap it out. Some people wait until 6-8 weeks and that works fine if your air's moving okay and the filter isn't visibly caked, but honestly with pet hair you'll likely find you need to change it sooner than that. Just grab a bulk pack and don't overthink it - changing it a bit more often won't hurt anything, and your HVAC will run more efficiently anyway.