If the grids are damaged, that will allow debris to bypass the filter (much like you describe). You can get replacement grids easily enough, but if you want a new filter - it's your pool and your choice.
However you handle this, we'll be here to proffer our best advice to enable you to have a pool that is easy and less expensive to maintain
(Jan, it's always my pleasure to be able to educate pool owners)
[edit] Carl, the company I work for installs 3 'low returns' on every new pool and 'rehab'. The reason we do it is to more efficiently heat the pool and distribute the chlorine (usually from a SWCG)
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