The huge thing the cartridges have over stack filling in an HOB is the surface area filtering capacity. You just cant compare for example a 5X8" (40 SI) cartridges surface area high-flow long-term filtering ability to restrictive stack filter media of the HOB void, trying to use a low pressure pump to force water to flow through a smaller surface area of 2X5 (10 SI), you will always lose short and long term performance. I'm actually modifying my aqua clear and installing my own vertical cartridge made from old under gravel filter framing. The cartridge will be reusable by tying new blue bio blanket to it with dental floss. It should improve the immediate and long term filter performance ability of my 110 AC by almost 400%, now only 23 SI with deep stacked sponge but small surface area prone to clogging and too thick to clean properly. Compared to 80 SI with a vertical cartridge that handles more volume, last longer and much easier to clean. Unless you have high pressures, the higher media is stacked the less effective the filter becomes. This is why in engineering filters are almost always designed to accommodate surface area rather then thickness, you see it in your auto air cleaners, oil filters, refrigeration water filters, even in your vacuum cleaners, surface area is the key to filtration not stacking or thickness.