I never change my carbon because I don't use any.
Biomedia might get a quick rinse every few years if convenient...if not, no.
Mechanical is almost always foam for me. Cheap foam might start to fall apart after a few months or years of squeezing/rinsing a couple times a week. Quality stuff like Poret lasts pretty much forever. Any foam will last longer if you avoid squeezing it; just pressure-wash.
Matten filters are a special case; a giant sheet of foam (I use Poret) that, depending upon stocking levels, feeding, etc. can go many months or years with literally no maintenance outside of vacuuming the surface during regular maintenance. The catch...and there's always a catch...is that all waste material undergoes decomposition/breakdown in the tank so nitrates accumulate much more quickly than tanks whose mechanical media is frequently cleaned, removing the organic matter before it breaks down. If you like changing water, this isn't a big deal, especially with low stocking densities of small fish. Not really ideal with monster fish.
Sounds like you pretty much do exactly as I do. And yes, the only downside is that accumulated waste in your mechanical side, as it breaks down, adds to your nitrate ppm. To slow that ppm build up I often change out my mechanical filter floss in between water changes too. I think that makes a big difference for me, especially in my heavily stocked 360.