This sounds good to me but i dont know too much, for the moss ive heard of buying moss balls and tearing them apart to use as cover on the substrate

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10gal freshwater tank:
(upgrading to a 29gal tank soon)
2 platies
2 fancy guppies
1 BN albino algae eater
1 ghost shrimp

0.5gal tank:

1 Male Betta