There is a case to be made for having seperate "bio media" although as it's been said, particularly if you have a decent amount of substrate, it is not needed to support the required BB. I personally would much prefer to have my BB colony in a box I can move around, clean as needed, and so on. The downside of course is that if flow gets interrupted, your BB could die off. This is one advantage in-tank biofiltration has (like the hydro sponges, or a partitioned chunk of tank as a 'sump')
To address what someone said about a sump supporting your BB for a while even when the pump dies because it has heaters in it - well, great but your fish get chilled in that case. BB don't need tropical temperatures to live anyway, so unless your house is quite cool, this shouldn't be of much concern.
If you want a rule of thumb for a completely bare tank, with "no" BB growing in it, it is very difficult because of different BB capacities of different media. You are also not generally sizing your filter by the size of the tank but by the size of the bio load. I would suggest that a gallon of pea gravel or bioballs for a 100gal tank is probably a reasonable amount depending on stocking. Filter floss or sponges have more surface area so you wouldn't need as much. Basically a pair of AC110's filled with pea gravel, or something like a Rena XP3.
The "turnover" debate is another great one actually. Some people say 10x, soem say 5. I think it has a LOT to do with your configuration and your stock. I personally get much more out of running a relatively small filter pump (3-4x turnover) and having a small powerhead in the tank to prevent waste settlement. If you have something like rays it's suggested that you run a high turnover to make sure the ammonia spikes are dealt with as quickly as possible, although in this case it's widely held that dilution is the best solution. As someone else said as well, it's quite easy to keep water parameters in check with an undergravel setup driven by airstones. What kind of turnover do you suppose that runs? 1-2?