Alot of it depends on the type of filter(canister, or HOB) for me. If Im running a canister...I like to have however many units will give me 8-10X tank volume per hour...and if Im using a HOB I generally try to get atleast 12X tank volume per hour. This is based on the fact that filters never pump as much as they claim...and with HOBs...you have alot less media than a comparable GPH rated canister. This would be the diffrence for example in a Rena XP3 canister-vs-Penguin 350 HOB.
I personally wouldnt trust the Penguin 350 to more than 30G of water despite the fact its rated for something like up to a 60G tank...where I would trust the Rena XP3 to handle a 55G tank quite well, granted they have that thing rated for a 175G tank lol
To many variables to consider to really determine the right size filter for your tank. As long as your tanks are clear, clean and have healthy fish and water parms...id say the filter is adequate enough for your tank