There are several reasons for the higher turnover rate. It is important to keep detritus from settling too much, although some always will, so that it can be caught in the mechanical filtration. However, the more important reason is so that the fish waste is quickly filtered and processed into nitrates. Too little flow and it could allow for ammonia to build up before it gets processed into nitrate. The higher turnover rate assured that this does not happen.
As for my recommendation on a sump, I think you should just get a used 125 or 120 (90 at the very least) gallon aquarium and leave it as an open sump. You can often find cheaper tanks on Craigslist. Use filter socks in one end, then place bags of submerged media throughout the tank and put the pumps on the opposite side of the tank from the filter socks. If you want to do a little bit more for it, you can place a powerhead or two inside it to circulate the water within the sump. Also, your heaters can be placed right in the sump.
You’re definitely on the right track for the pumps. It is better to have two larger pumps that can be run at a lower setting. It’s better for the pumps’ life, better for noise, and gives you extra flow capacity if it’s ever needed. However, the DCT 4000 pumps will be far too small for this application. Since you said your tank will be about 400 gallons, plus your sump we’ll estimate at 100 gallons, you will have a total of 500 gallons in your setup. Multiply that by 6 and you are looking for about 3000 gph. I run two DCP 8000’s (pretty much the same as the DCT 8000 pumps) at 60% to achieve about 1500 gph. Without doing all of the calculations specific to your setup, I can estimate that two DCP 15000 pumps run around 65-70% should get you to that 3000 gph mark. I posted a link to those pumps above and they are about $150 each on Amazon. That is a really good price for a high efficiency pump that is controllable like it is. To be honest, if you can’t afford those for your setup, then you might want to reconsider your project, or scale it down to a 150-200 gallon setup. The DCT 4000 pumps you mentioned are only good for about 1050 gph. However, once you factor in the head loss from fittings, tubing/piping, and height, you will probably be getting around 700 gph each. That is if they are running full power, so they will probably be a bit noisy.
Lastly, skip the carbon in the filter. Not necessary.
If you want to go with a canister setup, I recommend staying away from diy canisters because they often end up leaking. For a 400 gallon tank, I’d recommend at least three FX6’s, but you’re definitely better off using four. Or, you could go the ultima route. I think you will find that both of these options will end up costing far more than a diy sump.