The sump I just built for my parents has three chambers. From what I've seen this is one of the most commonly used designs for a sump/refugium. First chamber, as Chinchas said, is where your overflow drains to the sump and also where your protein skimmer is located. It is divided from the refugium by a single baffle which the water pours over. If you use 2 baffles here you can stick a filter pad between them for mechanical filtration. Our refugium has a deep sand bed, live rock, and macroalgae for nutrient export. Next come three baffles, to be used as your bubble trap. The third chamber is just your return pump. We've been happy with this design so far, although it would be nice to have a separate refugium if we had the space.