I think it all boils down to media. My FX6 is mostly loaded with ceramic media and just two round coarse pads. I basically blast the pads out, swish the ceramic media bags in some tank water and give the sponges a good squeeze. I suppose if you were using floss or something it would be more work. But when I'm done there isn't any detritus left in there.
I hate hob filters, other than the aquaclears, I feel like cartridges are a rip off.