Sure, you know, you have to ask this question AFTER I gave all my FAMA magazines to a friend! So I don't have the article to back this up:
You know my opinion. I do think thre is such a thing as too much filtration. I came to this conclusion after reading a couple articles about the subject a few months back....at least one of which was from the current editor of Freshwater & Marine Aquarium magazine. It's not a question of filtering out all the dissolved organics, or filtering out all impurities....but over-filtration also removes a lot of the GOOD things floatin' around in your tank! Here's what I mean:
Take water from near the sand of any established aquarium and put a drop under the microscope. What you'll find may surprise you! There's an abundance of critters that live in your tank that you never see, but they play a role in the balance of your tank. We've all talked about copepods before, but did you know that the young of many 'pod species have free-floating planktonic nauplii stages? These planktonic baby 'pods feed on microscopic green algae....
and some absorb dissolved organic compounds!
Adding too many filtering devices can run the risk of filtering out these planktonic individuals. Young pods, the algae they feed on......if you remove all these by overfiltration, you may cause your 'pod population to crash. This may have a detrimental effect on your tank....remember the role pods play in a seahorse tank: as detrivores, and as a food source for the horses!
Anyway. There are articles and arguments pro and con for the case of overfiltration. Either way, I don't think a Fluval 7 would be considered overfiltration....and the 100 might not even be overfiltration, but it may be pushing it. Adding a separate HOB filter as well?? Yeah, that's overfiltering. A HOB skimmer/Fuge setup would be MUCH better than another filter. Remember, the 'Fuge acts as a filter as well, removing amm, nitrite, and nitrate!
So there's my opinion. I'm sorry, I never have just $0.02 worth of stuff to say.....I usually end up spilling $1.50 or more!