Most commercial "filtration packages" sold with an "aquarium kit" assume you will be having a community tank with a bunch of small, community species, with something that tops out at mayb4 4"-5". (some small tetras, a few swordtails, and a small cichlid, or gourami or 2)
If you are going to go with any larger fish, doubling, tripling or quadrupling filtration is a great idea. The kind of filter is not important (they all do basically the same thing, although going too cheap is not a great idea), and its all about maintenance. Things like regularly cleaning the gunk out of your filters, keeping flow at a good clip, etc etc.
There is nothing magic about 1 filter over another .
I have had 55 gal tanks where the entire back panel is a line of HOB filters, and the tank worked very well, as long as I cleaned the mechanical media every couple days, and did plenty of water changes.