It isn't so much amount of flow that determines where the bacteria grow, but availability of food. This is why bacteria grow in a HOB filter, because the pump brings food to the bacteria. This is why bacteria grow in undergravel filters, the air bubbles dragging water up in the riser causes flow through the gravel bed, and hence food to go through the gravel bed.
If food is in a high-flow area, then bacteria will grow there (the can affix themselves to surfaces with a very strong bond relative to their size if they need to.), or if the food is in low-flow, they will grow there.
Now, regarding the first post. The reason ceramic disks are put into a filter is simply to give the bacteria that will grow in there more surface area in which to grow. And ceramics will be completely inert in the tank. Other than that, there is nothing sacrosanct about ceramics at all.
In any tank, the bacteria will grow. Now, things like the filters with sponges or ceramic disks or the like help create conditions nicer for the bacteria to grow, but bacteria will grow with or without them. Unless there is a filter to put the disks in, they aren't needed. Most filters come with a sponge or some floss to provide nice conditions for the bacteria to grow on -- if your new tanks have those in the filters, that should be good enough.