The idea behind 'understocking' (though you aren't actualy 'understocking' at all) coldwater tanks is all about taking care of goldfish properly - not small, low-waste producing fish like WCMMs or hillstream loaches.
There is truth in that biological filtration works better at higher temperatures but the more obvious difference is that of oxygen levels being higher at lower temps. - which is obviously an advantage. You need to drop the temp. significantly lower for the filtration to suffer and, besides, we're talking sub-tropical - not coldwater. Following warmwater stocking guidelines should be fine in this sort of tank.
A goldfish wouldn't realy be suitable regardless. It would eventualy grow large enough to eat the WCMMs and, being social fish themselves, you'd need room for at least one more - which you won't have if you consider the size of the goldfish + the rest of the fish you plan to include.
I'd reccomend a trio of American-flag fish or some mosquito fish (
heterandria formosa - just be careful you don't keep them with anything that can eat a fish that's only just 1") as further inhabitants. There are also plenty of barbs and danios that tolerate lower temps. very well. For example, zebra/leopard danios (though I'd avoid the fancier types that are now a little less hardy and less tolerant of low temps.),
barbus stoliczkanus, half-banded barbs and
barbus filamentosus.
There's also a few tetras, such as the bloodfins, that can also do perfectly well at lower temps.
Weather loaches are another well known coolwater fish. However, somewhat unfortunately, they grow very big in time.
I just read through that link posted earlier. Let me just warn you to avoid paradisefish - they are beautiful and immensely hardy but also rather aggressive. It would not be a good idea to try keeping them with peaceful white clouds.
The link also mentions variatus platies. It's true that these also tolerate lower temps. excellently. However, it's rare that you come buy a true variatus now-a-days - most are hybrids. The fact that they are hybrids means you cannot tell whether they are good for a lower temp. tank or will suffer from it as the maculatus (common) platy doesn't like cool water much and neither do swordtails.
Also note that
gambusia affinis, the western mosquito fish, is a somewhat nippy fish that's best avoided if you want to keep small or peaceful fish.
It also mentions some fish that I would consider coldwater. You can try some of these if you like but be very careful with the temperature you choose to keep your tank at (I assume you will be using a heater) because most of the 'tropical' options won't tolerate temps. under 64 deg F (about 18 deg C). Some coldwater fish you could try are: various bitterlings, fathead minnows/rosy reds and rudo. I would avoid sunfish that are basicaly the 'coldwater cichlids' and somewhat more aggressive than WCMMs and hillstream loaches could handle.
Whiptails:
http
/planetcatfish.com/catelog/loricari/G_80.PHP
and
http
/planetcatfish.com/catelog/loricari/G_43.PHP