Hi Mimifish
As you can see, there is no hard and sound way of doing water changes. How frequently and how much water you change will have something to do with the kinds of fish you keep in your tank and in what numbers. I hear people talking about python hoses that attach to their taps and things of that nature, but I don't have anything so sophisticated. I have six tanks running right now though, of varying sizes, with a variety of fishes. This is what I do....
It's always a good idea to turn off electrical appliances if you've got your hands in the water (ie the heater, filter etc). I have one of those el cheapo gravel siphons and I use it to siphon water from my tanks. I usually vacuum some of the mulm (sludge) out of the gravel, but not a lot, as my tanks are all fairly heavily planted and I rely on the fish waste and excess food to fertilize my plants. I'm probably the least scientific fish keeper on earth, so I don't really measure exactly how much water I change, nor is it exactly the same every time. The larger the tank, the smaller percentage of water that I change. For example, in a ten gallon, heavily stocked guppy tank, I change about 15 - 20% of the water, twice weekly. In a 45 gallon community tank, I change 10 - 15% of the water once weekly. I use the water for my houseplants and garden (they LOVE it). I personally use a fairly small bucket (~2.5 gallons) and make many trips, but this is only because I'm too weak to carry a bigger bucket and comfortably lift it high enough to pour it into my tanks. I pour a few drops of water conditioner/dechlorinator/whatever your brand is called into the bucket and toss in a tiny bit of aquarium salt (controversial, but the way I do things), then fill the bucket with tap water which is as close to the tank temp as I can get it by feel (I used to check with the thermometer, but you can probably tell within a degree or two if the water is the same temp just by dipping your finger). Then, I slowly pour the water back into the tank, usually moving back and forth across the surface of the water so that the new water mixes with the old water as much as possible. I do this over and over again until my tanks are done or I'm too tired to do anymore!
As far as cleaning the filter goes (Ramble Part Deux), I (in my oh-so-scientific way) tend to go by the clarity of my water as much as anything else. As soon as it's less than sparkling or I'm starting to see debris hanging around my plants, I know it's time to rinse my filter media. This is probably somewhere in the neighbourhood of once every ten days or so. Very rarely would I go more than two weeks without a rinse. When doing a water change, I take the media out of my filter (my filters are all mostly stuffed full of filter floss - I don't buy any of the over priced filter inserts and whatnot), and give it a decent rinse in dirty tank water. It still looks kind of gross when I put it back into the filter, but this is good, as it means I've still got lots of nitrifying bacteria in it. Once in a blue moon (again with the scientific accuracy) I throw a clump of filter floss away and put some fresh stuff (dipped into the dirty tank water) in to replace it, but I never ever replace it all at once.
Hope this helps!