I always changes mine in my 55g every 4-6 weeks, but have read somewhere that's it's better to leave them alone.
I use sponges but the principle is the same.whast a spillover filter - you mean like a hang-on-back power filter? I don't even use the inserts in mine any more, they're all either filled with lava rock or filter floss.
I use them and change the cartridges (takes 3) one at at time. They seem to need changing about once a month. I don't change any until needed and then only one each week to keep my bacterial population up.
Charlie