Wow, this thread is insane. I will answer the OP's question from my own experience:
I overdo the bio because I like having three canister filters on a tank that really only needs 2. If one dies, I don't have to worry. I'll just pick up another, or fix the one that broke, or whatever, and my fish probably don't even know the difference.
We have ammonia in our tap water. After a waterchange, there is ammonia present in the tank. I would consider this an ammonia spike. The next morning, all ammonia is gone.
Both of these examples prove that having extra room for bacteria to grow is not a bad thing. In fact, it's quite helpful.
I overdo bio on all of my tanks. The filter on my 1,000 gallon pond is about the size of two 125's stacked on top of each other, and it's full of Matala sheets.
People have this really weird attitude about filtration. "You don't even need all of those canisters!" Why does anyone really care about how many filters a person uses? I may spend a lot of money on filtration, but a lot of people throw money down the drain every day on crap that won't even be around in a year or two. I don't see any problem with "overdoing the bio" if I see ways in which it helps me, and if that's how I choose to spend my money.
This is just my opinion, obviously, and I just wanted to take a stab at answering the OP's question.