lol- My friends used to tease me about this...anytime we were talking about something that was expensive, they would be like, "Do you know how many filters Alex would buy for that?"
So yeah, I was like you until I started having to pay for electricity, then I came to the following conclusion:
In regards to biological filtration, all you need is to provide enough surface area to grow enough beneficial bacteria for your given bio-load...any surface area beyond that is nice to have, but it's really not doing anything.
I believe that as long as your filters are able to keep ammonia and nitrites at zero, any additional filtration is just for aesthetics. In other words, overfiltration will only move particulates from one area to another more quickly but the feces is still in the water...it's just been moved from your tank to your mechanical filter media. You still need to clean the filter to remove the feces, otherwise it's no different from the poop sitting in your display tank. Just because it's out of sight (in the filter) doesn't mean it's affects are gone...it's still there. I'm not saying you don't know this, but I think a lot of people think that overfiltration means that you don't have to clean your tank or filters as often, which is not true; the waste has to be removed from the entire system, not just the tank.
I love crispy water, so hopefully I'm not coming across as anti-overfiltration...I just don't like having to pay the huge electric bills from running all sorts of additional filters.