I have a number of tanks..........and try to do this fish keeping lark on a budget....
OK.....the tanks:
The 55 gallon corner tank has an eheim 2328 in the cupboard under it. When I got the filter (second hand) it had no media with it and as I was moving a tank full of fish into this tank I needed it up and running straight away.
I had a variety of foam sheets of various "hole" sizes and used those in one of the trays, I used eheim-filter-wool left over from a bulk purchase in another of the trays, and (here comes the cheaty bit) I filled a stocking (my wife's, not mine
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) with gravel from my currently running tank (had been running with a UGF) and filled two trays with that. This tank has been running this way for a year, with no losses (OK, 2 platies and a "runt" angel that got beat up). I have cleaned the filter twice during that time.
The "Long Thin Tank" (5 foot long x 2.5 ft high x 6.5 inches wide...perfect size to fit on a window ledge).
UGF........been running nearly two years now.........recently needed quite a big gravel-vac session as the water flow down through the gravel wasn't too good (it slowed the air going back up the updraft pipes)....
I will try to pick up an external filter for this when I get a "bargain" offered as I recognise the limitations of the UGF in this set up.
24 x 24, eheim 2215.....£20 off a bloke at work.......been running nearly two years, cleaned out every four months or so, mainly eheim media I got with the filter (efi-substrate).
As was mentioned above.......the reason I would come away from a UGF is crap build-up in the substrate (that and the fact that my other tanks have sand and I would like to consider it in the long one too). If you use both a UGF and an external.....you end up with the same result as a ugf.....e.g. substrate full of debris.....just you have more surface area for biological filtration.