Here's your options. Canisters, which I recommend for ur tank size, can hold more bioload and allow for longer periods inbetween cleanings. HOB
needs replaced/cleaned I'd say at least every 2 weeks with ur tank size. Thats why canisters are recommended for larger tanks b/c they can keep up with the bio-load. I feel with canisters, u can buy more pads, chemical filtration, etc in bulk to make ur dollar go farther.
I would definitely skip the UG because if u want to keep plants, they will be a hassle with roots. Plus, to clean properly, u have to reverse the flow, through air or water, and blow any lodged debis up into the water column.