Reverse undergravel filters in addition to HOB?

I currently have a little 10 gallon tank. Whenever I clean the gravel
it kicks up chemicals and evil gunk and sends my paramaters out of
whack... would a reverse UGF help with this by keeping things from
settling in the gravel? I really would like to keep the gravel. Would
a reverse UGF provide too much turbulence in a 10 gallon tank? Right
now I have a Top Fin 10 (Petsmart's cheap filter for 10 gallon tanks,
worst. filter. ever) and a bubble wall along the back.

Also, would adding a UGF help maintain my bio filter? one of the
biggest problems with the HOB I have now is that whenever you replace
the mechanical filter pad, it takes most of the biobugs with it. I
plan on picking up an aquaclear whenever I can afford it.

Thanks