I don't think the wet-dry would get clogged at all, and is just insurance for your bacterial colonies. That might not be a bad idea for heavy waste producers like you have.
The gallons per hour or however the filter is rated is generally tested without media, so I use the recommended tank size as a "suggestion" but always think the more filtration the better, in most cases. I think I have read that the 2028 is comparable to a Fluval 404, which would be just right for a 60 gal
, so the 2028 is the one I would get for your tank.