For the unplanted tank, I personally do not see any HARMFULL effects of using carbon other than $$. From everything Ive read, carbon is exhausted within a week and will either start leeching the absorbed contaminates back into the water supply or simply stop absorbing any more of them. But I personally do not see what harm this can cause. After it it exhausted, it simply becomes just like anything else that the water comes into contact with; a breeding ground for bacteria.
On the topic of not changing media cartridges:
Again, I personally do not see any harm in not changing them. Most cartridges consist of a foam layer and a layer of carbon. Again, once the carbon is exhausted it too becomes like the foam layer and starts collecting bacteria and larger debris. While this cartridge needs to be cleaned periodically, I see no reason to actually CHANGE it out completely, and would personally not recommend it as it could cause a bioload spike and send the tank back into a cycle. Unless, of course, there are two cartridges in the filter. In this case, one could alternate cartridge changing every other month or so. The only time I would be concerned is if the "replacable" cartridge actually started to deteriorate and started falling apart.
When I had a HOB cartridge type filter (mine was an Emperor) I quickly learned that changing them was unnecessary and expensive.
Personally I only use carbon when I need to clear up my water. I use it when I move a tank, add a new piece of driftwood that may be leaching, or after I redecorate and stir alot of gravel up and get all the nasties stirred up.