I have two, one on my 55 & one on my 65.
The 55 has from bottom to top:
tray1:
fluval pre-filter
20 & 30ppi pad
Tray 2 & 3:
a handful of ceramic rings that I had, the rest is packed with pot scrubbies. I think I get 13 or 14 of em to a tray, don't remember. So far that tank has been running for a couple months and I've only opened the canister once...that was because I noticed about 30 convict fry swimming around inside it
The 65 is the same basic setup, except instead of pot scrubbies its loaded with ceramic rings (had more money on hand when i set that one up

) same basic principle though...I usually go at LEAST a month before I even think about opening the canister, then I put it off for a few more weeks

Even then, I don't really ever get done and think...'man, that was absolutely necessary.'
I think basically you can just go with, 'wait till it screws up, then open it to fix it.'