Why does the idea of crowding out bad bacteria even make sense?
Fish pathogens and bacteria involved the the nitrogen cycle occupy completely different niches...
I think the important thing is that generally the older the tank, the more stable the environment (due in part to biofilm building up, yes) and the less likely small ammonia/nitrite spikes may happen (even between testing), the less stress on the fish, more capable the immune system so less chance of disease.
Also, another potential bonus of older tanks is more DOC's around to complex with metals that come in with water changes, which can possibly harm fish even slightly, stressing them out, less capable immune system etc.
The way I see it, a healthy mature tank full of healthy fish shouldn't have any pathogens in it, or at least, have such a low number of pathogens that the risk from adding mature media is negligible next to the chance of pathogens coming in on new, stressed fish that have come from crowded breeding tanks/ponds abroad, to the lfs tanks to mix with more fish, and then to your tank. Completely negligible IMO.