Putting filter floss as a first stage filtration media will mean it will trap everything going into the filter and require very frequent replacement. Filter floss should only be used as a final stage media to 'polish' the water before it returns to the tank.
Yes, that's true ant that's the purpose of it if you want healthy filter. Otherwise all the big pieces are going to spread around all the media rather than the first media/mechanical media and if set up this way you mostly need to clean the mechanical filtration/filter floss in the beginnng and even ditch it for new one quite often without bother to your bio filter, rather than cleaning the whole filter all the time from top to bottom. Ideally, if lazyiness is not a problem, you prefer to block big debris from entering the biological filtration to keep it working better for longer time and in the very long term this can prevent sudden spikes caused by lack of oxygen to your biological filtration and of course the finest media is the last stage to take off any bits and pieces that may have gone through.
Water will still go through a clogged filter floss but bacteria will not live on a clogged bio media that has little to no oxygen access because of that. It's all a matter of what people prefer and I agree both ways can work but with different schedule and results.
Edit: If you've ever used Hagen Fluval internal filters, that's the way they are setup. Coarse sponge/filter floss as first filtration, carbon is second(dutched this one) and ceramic rings(bio filter) last. They do a wonderful job for an average size tank(max they have is 1000L/H)