Hi,
I have a 90g tank. Over the last 14 years I have used:
2 canister filters (one to clean alternately, the other to leave for the good bacteria... for about 10 yrs, (problem free) Reef tank with lots of corals
.
Sump/refugium with a lifter pump... for about 3 yrs...I hate the lifter pump, it constantly clogged up, even with a pre-filter (if I ever go sump again, I will have the tank pre-drilled). Eventually the sump leaked and made quite the mess, so I had to remove it altogether. Reef tank at first and changed over to Potbelly seahorses.
2 HOB C4 Fluval filters... So far I love them, pain free cleaning, easy access, but it does create salt-creep, which is an easy wipe down. I keep decorative macroalgae (FOWLR) so a skimmer or other equipment isn't needed. Just a chiller since I keep seahorses, for regular fish, a heater would be needed. So far this is the cheapest and easiest way to keep a tank, which is why, since I'm disabled, I opted to try a HOB.
In the end I have concluded that any filter will do the job, it all depends on what equipment you want to run, how much work you are willing to do, and what you are keeping. Every one of us has to find our own "what works best for me". You aren't doing anything wrong as long as your tank critters are thriving.