Hi,
Hard to say how to value the externals. Depends on how you think.
The u3 is a good filter. I.e. it sucks water in, cleans it and strips nitrates. Does what it's meant to do.
An External will give you more space in your tank, more media capacity to give you a bigger safety margin or an extra fish or two - and makes it much easier to do filter maintenance. If your running a high tech tank, it also lets you get to the water easier - for example I run a fluid bed filter, and it's driven from my external.
There's no right answer on this one. The filter your getting is going to do OK. Moving to an external gives you some more benefits, but you pay for them.
I guess a different way to ask the question is "Whats the best way to spend my money". Looks like your going to spend about £180.
The tank is a 31 inch tank. If you go to AquariumClassifeds you'll find a 3 foot tank and lid for £40. a pair of t5's and ballasts will set you back £50. So thats £90. £80 gets you an ehiem Ecco Pro 200 filter ( ehiems are expensive compared to other filters of the same size, but amazing quality ) or a Fluval 205 - bit of a bigger filter, but it's not an ehiem.
So thats £170.
Also don't forget that you can sell the Fluval u3 and use it towards the external.