Hi Diamond T,welcome to Koko's.
Well,I think that right now you have two strong points going for you.
a) you are not overstocked
b) you're barebottom
I'll tell you that in my experience with Goldfish,I actually go over the
recommended 10x's filtration (not the law,but just highly recommedned from our own experiences with Goldfish.
Your tanks sound fairly new,how long have they been up and running?
As I mentioned,having barebottom tanks and actually understocking the one tank, and the shub tank being a okay too ,those things will help alot with how dirty your tank will get.I think as long as you're performing regular water changes,and weekly tank floor cleaning and such that you may be able to get away with the less stronger filters for now.I wouldn't add any other fish to these set-ups though.
Aquaclears are pretty good filters in my book and they flow pretty good .I tend to rinse the sponges quite often to remove all the big muck and to keep my Nitrates lower and to make sure that my sponge doesn't float up and water spill out of the tank too.

Been there,done that,what a mess.My tanks have been established though for quite a long time though.
You'll just have to make sure as the fish continue to grow,that your filters are able to keep up with them and their bigger waste.
Do you have any bubble wands,or Air stones in the tank for extra aid in oxygenating?That may be a problem during the warmer months.
Anyway,we'd love to see your set-ups.