nothing can beat overfiltering.
Wrong. Water changes trump filtration every time. Filtration is simply a bridge between water changes, just look at the discus breeders in Asia who don't even run filtration on their tanks and instead simply change ~90% of the water a couple of times a day.
You're right that you can't "over-filter" in the sense that you will be harming your fish, but once you have enough biological media to house a colony of nitrifying bacteria capable of dealing with the waste from your fish, adding more biological filtration will achieve nothing.