When to Start Using Loot Filters?

I am currently halfway through NM with my Bowazon and so far I‘ve been using (who knows how dated at this point) muscle memory for gearing her (Stealth Chest, 2x Ral Helm, Zephyr Bow).

But I’m wondering when should I start looking for mid/end game runeword bases and BIS items?

Also, does anyone have any recommendations for a loot filter? I was using Wolfie’s template when I was making my own, but that was mostly just to do simple things like color gems and add socket numbers to names.