There are 3 types of filtration:
Biological, Mechanical, Chemical.
Biological filtration:
Is the converting of toxic materials (urea) into a less toxic form (
ammonia). Urea is converted to ammonia, ammonia is converted to nitrates, nitrates are converted to nitrites. This is done by bacteria in your fish tank. Bacteria grows on every surface. It is the reason you put porous materials such as filter floss and sponges into your filters. This increases the surface area the bacteria have to grow on.
Mechanical filtration:
Is a physical removal of waste products (fecal matter/dead plant material/etc) from the tank. This is done by your filter floss and sponges in your filtration systems.
Chemical filtration:
Is the chemical removal of waste or medications from the aquarium. This is usually achieved by using activated carbon. Activated carbon removes both organic molecules and metallic ions from the water. Activated carbon is filled up (at its saturation point) in a very short time. This is measured in hours at best. Saturation point is normally reached in an hour or two at the most. It falls on the later end of the spectrum in colder temperatures.
So to answer your questions after all of that:
Activated carbon will remove elements that plants need from the water, but unless you dose fertilizers right after you've changed your activated carbon, it should not make any difference.
We use replacement sponges made by aquaclear instead of cartridges. We also use filter floss. Filter floss is the lesser of the two because you lose your bacteria when you change it.
So no, you do not have to get rid of that filter, and as long as you do not dose your fertilizers the same day as you replace the activated carbon you should be fine.
Hope that helps.