carney,
hard for anyone to answer that... Any overall biofilter grows to match the size of the fish stocking it is currently handling. If you have more than one filter then it divides the load across all those filters (not necessarily evenly, but probably more evenly the longer the multiple filters have been running.)
So... the factors to consider would be, I guess, whether there has been any recent drop in the fish stocking (this would be good for you because you'd have less fish to support than the bacterial colonies that have been built up and when you dropped to "half filtration" the biofilter might be less overloaded (make sense?) Another factor might be how long the two existing filters have been established. If either is recent, it might be carrying less load than the older one.
One thing in your favor is that it sounds like the fluval is already established, so if you decide to just ditch the undergravel and go with the fluval and another new filter then it will serve as the "mature media seed" for your new system and new filter and should shorten the time of your resulting "fish-in" cycle. Probably, though, you are looking at a serious fish-in cycling period if the fish stocking is significant, so you could have some rough weeks of water changes.
By the way, removing an underwater filter can be quite a mess as it may have a serious collection of mulm underneath. I guess many would actually do some sort of bucket transfer of the fish and do a complete tear-down. Oh, and you probably need to describe the fish stocking more to the members, for possibly more help here.
~~waterdrop~~