I should also say that in my experience I have never had the intake as low as some people like to put them. I have my intake about half way down the tank. I also only ever used pool filter sand. It is fairly heavy and in my experience doesn't stir up to much by the fish I've kept.
Once a month I go through this routine during a water change. I turn off all filters and with my hand I stir up every inch of the substrate as I can then let it settle for about fifteen minutes. I start doing my water change, keep my hose about half an inch above the sand and pick mostly everything up. As I'm filling back up and a large majority of everything has settled back down, I turn my filters back on. I feel that this along with thorough filter cleaning, is the reason I've never lost a filter due to sand.
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