Since you are on a tight budget, I would suggest you keep the HOB filter and invest in an Eheim 2213. You can get one for $50-$60 on eBay. If the tank is located in an area where noise is not of a concern, then invest in a Rena Filstar XP1/XP2 while still keeping the HOB filter. The Fluvals cost about as much as the Eheim 2213 and Rena Filstar, but seem
to have a disproportionately larger number of complaints than the other two filters. Whether or not that is representative, I cannot say; but if it were me, then I would err on the side of caution and get a Filstar or Eheim.
It is in my humblest of opinion that for a large tank, two small filters are better than a single large one. If you ever set up that 60G tank, don't pool your money into one big filter. Get several smaller ones instead. Such a configuration provides for greater flexibility as well as efficient and thorough circulation.
Lastly, a canister filter is an expensive investment so give yourself at least 2-3 weeks to research, read more reviews, and shop around for the best prices. A little patience will save you A LOT of headaches later.
Speaking from experience,