Chillers are probably not needed up here in Washington. Never gets that hot here. So I don't think that would be needed, but you never know, maybe.
It depends on the day. If you don't have AC, it can get VERY hot in some parts of Washington. Like you said about sponge filters, they can be great for someone who doesn't want to spend a whole lot of money. But if you've ever seen a canister filter in action, it would make more sense why people would spend that kind of money on them.
A good canister filter will be nearly silent when it's running, and when you have a ton of tanks(as most hobbyists do) that cut in sound can make a large difference. They also have a much smaller upkeep to consider too. Not that big of a deal when you just have one or two tanks, but when you have a lot (or are lazy like me) it can mean a lot.
As far as price goes, you have to consider this too, Seth. To an adult working 30 hours a week on minimum wage in Washington, they would receive roughly $1,200 monthly before taxes. After rent and other bills, you could sit pretty well and be able to spend that kind of money. When I was 14, I blew all of my money on concert tickets and usually never had any more than $200 at a time, so if I had fish tanks I would have been building sponge filters like none other!
I seem to have gotten off topic :uhoh: Anyways, I think canisters are the way to go, if you're willing to put the money in for them. I know when I finally am able to set up my 55 I'll be getting one myself.