Adaptive filters, unlike traditional filters, update their representation upon detecting a false positive to avoid repeating the same error in the future. Adaptive filters require an auxiliary structure, typically much larger than the main filter and often residing on slow storage, to facilitate adaptation. Each adaptation requires a disk I/O, creating overhead that must be amortized across repeated false positives. On highly skewed or adversarial workloads, this overhead is well amortized over repeated false positives. However, on uniform random work- loads, adaptive filters experience noticeable performance degradation as false positives do not repeat often, making adaptivity an unnecessary overhead. In this paper, we address this fundamental limitation in adaptive filters by establishing a connection to the online ski rental problem, a classic online decision problem where one must repeatedly choose between renting or buying skis without knowing future usage. We demonstrate that adapting a false positive is equivalent to ”buying”, while accepting the false positive without adaptation corresponds to ”renting”. Using the online model, we theoretically analyze the cost of adaptivity and develop an adaptivity strategy to determine when to adapt a false positive to avoid unnecessary overheads. We introduce the SkiQF, an online adaptive filter that provides robust false positive rate guarantees through adaptivity while maintaining consistent, high performance across diverse query distributions. The SkiQF makes no assumptions about the query distribution and is 2-competitive, i.e., its total I/O never exceeds twice the optimal for any workload. In a database system using a filter to avoid unnecessary disk accesses, the SkiQF achieves up to 1.78\texttimeshigher throughput compared to the AdaptiveQF. Compared to traditional filters, the SkiQF achieves up to 1.45\texttimeshigher throughput on skewed workloads and up to 10\texttimeshigher throughput on adversarial workloads, demonstrating robustness and resilience. We also introduce the HybridSkiQF, a variant that detects the underlying query distribution and chooses an adaptivity strategy to minimize I/O. Additionally, it dynamically adjusts its strategy in response to distribution drift. When it detects repeating false positives, the HybridSkiQF switches to immediate adaptation, like a standard adaptive filter, avoiding the overhead of the SkiQF’s delayed adaptivity when immediate adaptation is optimal. The HybridSkiQF achieves up to 1.28\texttimes and 1.79\texttimeshigher throughput than the SkiQF and traditional filter respectively.