IMO, its more variety.
There are only a few coldwater fish. The minimum tank size, you can get for coldwater fish is 2 foot, and these would only inhabit White Cloud Minnows. Then for Goldfish, you will need to go up 1 foot, so 3 feet for 1 Goldish.
Where as to house a Betta fish, you would only need a small 25L tank.
Also, i personally think Goldfish are extremly messy. External filters are a must.
some small tropical fish like Bettas, could get a way with a Sponge filter, or a DIY fitler. (cycled, ofcourse)
In terms of colour, Coldwater fish are normally Orange, black and pale. Tropicals are much more vibrant in colour.
And when it comes to aquascaping a tank, you will not be able to use Live Plants as Goldfish tend to snack on these.
Hope that helps
