You make it more complicated than it actually is; misguided by manufacturers of aquarium filters and filtration media. Actually, you don't need any
biological filtration because microbes in the tank (mostly in the substrate) will take care of it, anyway. What makes some sense is
mechanical filtration - to catch particles of various size - and optionally
chemical filtration - to remove or replace various dissolved species.
I guess does it matter that the biological filter media gets clogged up with detritus ?
There are basically two types of biological filtration:
(1) Decomposition of organic matter - both particulate and dissolved - into mineral species. Microbes will do it no matter what you do, wherever there is organic matter, water, and preferably oxygen. These microbes with their biofilms will colonize and clog any surface, no matter if porous or not.
(2) Nitrification of ammonium into nitrates. Nitrification microbes are not interested in organic matter, and they are outcompeted wherever it is due to presence of decomposing microbes. So, they prefer niches poor in organic matter. Again, no worry, any tank with any substrate can host them with or without any filter.
Summary: Your biological media will get clogged no matter what, but it will do no harm no matter what. You can keep them or throw away, as you please. For mechanical filtration, a sound strategy is to arrange them from coarse to fine (in the direction of the water flow). The only advantage of such arrangement is that your filter won't get clogged that quickly. And that's all (unless you're interested in chemical filtration).
The main benefit of these filters is that they make water flowing. You can get the same effect with a simple water pump, which is far cheaper (and safer - no risk of water leakage)
.