You can top up soil anytime whenever required, usually its to shore up eroded slopes and such... though once the plants cover the substrate you wouldn't be able to top up soil as easily anyways (unless you remove the plants, top up soil, then re-plant again), so most people just leave it be.
Monte carlo and glosso are okay carpet plants for low-tech tanks, just that their growth rate will be much slower than compared to a high-tech tank with Co2 injection.
You can also try other plants like marsilea hirsuta or hydrocotyle sp. japan, they could work too.
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