it'll tell you what you can do to change your filter up a bit, if you choose to.
I have a little bio wheel thing for my 5g too. I've never changed the cartridge before, I just emptied out the carbon stuff and stuff it with my own media.
I have a couple questions about what you're saying here.
Are you saying that you can filter the water with just the "floss" (nothing inside of the cartridge?)
I dont necessarily want to buy a $14 pack of 4 cartridges with the activated carbon inside every time they need changed. And I don't mind doing a little extra work if it will save me some money in the end.
If you are reusing your cartridges, what are you stuffing in there? I followed the link that you posted and under the "Suggested Biological Filter Media" all of the links just go to http://www.bigalspets.com/ so im not sure what they're pointing to.
UPDATE on the state of my tank: Last night i completely drained my tank, hand washed all of my gravel, rinsed out my tank very well and did a 100% water change. The water is nice and clear again, I cleaned out the whole filtration system of all of the water and rinsed everything in that as well. I've started over with the dechlorinating drops and water clarifier. I'll give those a couple of days and test my water and will probably go with a heavily monitored fish-in cycle.