Opcn, your reply #3 here is a little off. 1) Tannins are DOCs (dissolved organic compounds). DOC is a huge group of chemicals, and anything with carbon in it can be considered an OC, organic compound.
2) Tannins and in fact all DOCs can be your friend, there is actually many good things that they do. Most importantly, they bind to heavy metals and neutralize them, keeping the fish safer. Many good water conditioners also do this, but I like the extra safety factor. Next, when the metals are bound to a DOC, they are much more easily taken up by plant. This is great for the micro-nutrients that plants, need, like iron. Depending on your water chemistry, without this binding, your water could be extraordinarily high in iron, and yet your plants suffering from iron deficiencies. So the DOCs help in that way too.
But you are right in that carbon will take these out. In my opinion, this is just another strike against using carbon, since DOCs do many useful things in a tank.
There is such a thing as too many DOCs, you could get a film on the top of the tank, which if bad for gouramis and bettas, but again if you have live plants, the DOCs will be constantly cycled. A live plant takes them up, and eventually gives them up when it dies.