Almost mae a new thread but I suppose I'll just update here.
For a month or so I've been running the 90 with just one xp3. Its got 2 30ppi & 2 20ppi pads in the bottom basket, the other two baskets are each half-full of bio media. I haven't had any major problems so far. I have to clean the filter more often than I'd like (seems like every week & a half to 2 weeks) to keep the water clean, and it still usually has some particulate floating around.
I've been running the single xp3 because I temporarily repurposed the xp1 & magnum250 to other tanks and my second xp3 is permanently on a 65g. Last night I was able to put the magnum250 on the 90 and its still running strong. I have a sponge on its intake to try an extend the life of the micron cartridge, at least for its first few cycles while the water gets polished.
So basically, I went from 2 xp3's full of bio-media, to a single basket worth of bio-media with no adverse affects and no mini-cycles. I'll probably consolidate all the media to one basket and fill the empty one with more filter pads, but I don't think I'll get rid of any more bio. My other thought was to run the xp3 full of mechanical filtration and run the xp1 full of bio-media, but I think I'll probably end up liking the magnum setup a bit better. We'll see...