Just wanted to share to those who gave me helpful info a while back. I opted to go small for now and picked up 55g tank and stained pine stand on ebay for only $80. I added on new Penguin 350 dual biowheel and AC30 HOB filters. Some natural gravel substrate, and took a trip to my local quarry and picked up a nice pile of mixed stone for creating an underwater rock reef. I ran the tank for 3 weeks and did a lot of research on the entire ammonia-nitrite-nitrate cycle. I've had the tank operating with live African Cichlids for 3 weeks. So far all is well. I have 9 fish total, all in the 3" range. I've got a couple different Peacocks, including an electric blue, also two red (orange) zebras which haven't been too much trouble, one nice looking male Acei. So far, so good. Those who encouraged me to be patient and not pull the trigger on the first large tank I saw on ebay---many thanks. Was the right decision for now.