Hi there, welcome to the forum!
Because you've got a filter that hangs on the back of your tank, you're limited to using the charcoal bag types filter (as far as I'm aware). But the main part of it isn't the charcoal it's the actual bag which is where a lot of bacteria grows. Don't worry about the charcoal becoming "inactive" at that point it just becomes another place for bacteria to live, so no worries there
If you want to get a new filter it would depend on if you got an internal or an external filter as to how you would swap them out. What size is your tank? If it's not very small I would recommend you get an external filter and just put the media from your current filter into one of the compartments in the new external one. Eventually, after several weeks, you could remove the old media and just throw it away as it will have populated your new media. If you have a smaller tank, I would recommend getting an internal and just running both filters at the same time for several weeks. This method isn't as ideal as 1) you'll be cluttering your tank with two filters lol and 2) because the bacterial colony doesn't form as densly in two filters as it does in one so when you do eventually remove the old one, you may have a small ammonia and nitrite spike for a few days. So be sure to have a liquid based water test kit on hand to do daily checks and water changes just in case.
hmmmm, there must be some way yo move bacteria from the HOB media to new HOB media though, because you would at some point have to replace it
Is there room for more than one filter bag or maybe for some foam media crammed in there somewhere?