If you over oil the K&N sure you "could" get the MAF Sensor covered in oil, but I've used them on my 4x4's since I was 18 and I never did any damage to a MAF or caused a CEL on any of my rigs. You just have to clean it properly and oil it properly, then allow it to dry before re-installing. Have I seen MAF's covered in oil and CEL's caused from over oiling a K&N? Sure I have and once I showed the owner how to properly clean/oil it they never had anymore issues.
On our stock H3 3.5/3.7L engines the OEM design air filter just sits into position and really doesn't seal 100% up to the intake inlet. My 07 H3 Adventure came from West Texas and I can assure you the MAF got exposed to more dust/dirt/sand damage vs any damage the MAF would see with an over oiled K&N Air Filter.
When I change my oil I check the air filter, then while I'm at it I go ahead and clean the MAF since it's extremely fast and simple to do anyways.