Thanks for the input.
I have the Whisper bio-bag type on my 10 and the Penguin bio-wheel came with my 28. They both seem to work well enough. I do wish the carbon was optional on the Penguin as it is with the bio-bags. When I was medicating for ich, I had to take the cartridge out and stick a bio-bag filter in sideways (for a better fit) so there would still be some filtration.
Your points are well-taken and I probably will go with the Emperor 400 I hear so much about in these forums, but I think that heating capsule is a neat concept. I hate having the heater in the tank, both for esthetic reasons and safety concerns.