Water changes
I think a few factors need to be considered when deciding how often and how much. I have a 6 gallon eclipse and I change 2 gallons of it out once a month. Since gravel fills up a fair bit of space, it is about a 35 to 40% change. That seems to be less than most of you, but I think it is justified.
I've had the tank for 5 years, so my chemistry is very stable. I never have nitirite spikes or anything, despite it being slightly overstocked (not hard with 6 gallons). It is well planted.
The "if its not broke, don't fix it" approach isn't bad, but it can only go so far. I would not stretch it more than a month since I need to vaccuum my gravel out and I like to change the water after scraping the algae off my glass to help get rid of the resulting sediment.
Since it is such a small tank, water chemistry can change easily and hurt the fishes. I dare not change more than 35 to 40%.
My local water is very hard. Any more and it would be brakish. I use bottled water and treat it with powder to remove chloramines and other bad stuff and settle the pH.
This method is not up to the weekly 50% changes some have mentioned here, but I hardly ever lose fishes to something other than old age. I have some tetras that are 3 or more years old still. Grew them from tiny little things to full size. The only thing I have troulbe with is keeping my plants alive in the low light conditions and black algae!
But now I am starting a new 15 or 20 gallon tank, so I bet I will need to do larger changes more often till it stabilizes. Sheesh-Thats a lot of spring water jugs to keep around the apartment. Getting them a 50 cents a gallons still beats those pricey osmosis filters though.
Ed