Good morning.
Some good advice above.
As long as your fish aren't being forced around the tank by the current then I say go for the additional filter. I see that you have an Aqua Clear (AC) 30. I have AC's of all sizes from the 20 to the 110.
To prevent the surface build up in my Gold Fish tank, which I use an AC 70, I added the Aqua Clear surface
skimmer in the link below:
http://www.thatpetplace.com/pet/prod/215392/product.web
It does a wonderful job and too it adds additional oxygen into the water. I also have one connected to my AC 50 that I use for my 29g tank to prefilter water for my water changes.
My opinion of under gravel filters....Poop collectors! I had them many many years ago and I'll never use them again.

I think they make for a nasty environment. Others may disagree but I don't think it will be many
The white fluffy stuff you see is probably hair algae. You can remove it with your fingers. Some fish may feed from it. It's not harmful and should eventually go away on its own.
Ken