UPDATE!
I ended up purchasing a LARGE sponge filter, and my lordy!!!!
My 45-gallon that's been cycling for a few weeks, was crystal clear within a few hours!
I can't even believe it! 🥰
I kept the HOB, but I've been able to turn down the flow. It doesn't sound like a leaky toilet in my place now! (my biggest issue with the HOB is the water tinkle tinkle sound ..lol!)
I like the idea of having 2 kinds of filters in a larger tank.
If the hydro ever goes out, that AquaClear thing doesn't gear back up automatically but now I have the sponge as backup.