for a closed loop, all you need is a hole in the tank, going to a pump, and a hole in the tank, coming back from the pump. Wa-la, a closed loop system. It doesn't have to have multiple returns or anything. Just one pump pulling water directly from the tank and going back in. Overflows are used for sump/refugium set ups. Not closed loops. People using multiple returns from their closed loop do this as a means to spread the flow around, not because they have to. Allows for more customized water movement.