A customer of mine makes nifty filters out of polyester stuffing (craft store), a furnace filter, some lava rocks and activated carbon. Total cost about 50-60 bux depending on where you shop. He rarely has to clean his out because he adds effective biological supplementation and keeps his stock levels balanced.
Adding bugs takes the guesswork out, to some degree, and in my opinion takes a lot of the headaches and waiting out of the equation, but you still have to know your basic parameters to do it effectively. A new, clean pond with clean filters is the best time to add bugs, because they have an easier time of taking over the system when they don't have to work through existing organic waste. I'm all about biosecurity, and in my experience in the shrimp, prawn, and tilapia industries, seeding and maintaining a pond with beneficial bacteria and enzymes is one of the most important steps you can take to ensure a biosecure environment.
Also, I've seen good things by adding Calcium Bentonite/Montmorillonite Clay. It contains minerals and trace elements that fishies and beneficial bacteria thrive on, keeping them healthy and colorful. It also absorbs heavy metals and pesticides that may get into your pond.
Some of my recommendations for seed and maintenance application would need to be taken privately. Drop me a line if you're interested.