Heater Question: How much difference does it make if you don't have a heater yet during fishless cycling? Does warmer water help? Does it make that much difference?
Your many items have helpfully confirmed a number of my questions but I particlarly want to say that the Cycling comment is really good: I had gravel on my list as essential to get along with the filter in order to get my cycling going. Your explanation about unneeded extra initial algae is so clear that I'm convinced now to get the cycling started without the gravel and add it later per your advice. It makes sense that the sponges of the filter will be the main habitat for the bacteria and will provide enough population to process the ammonia of the initial fish. Then the bacteria population in the gravel can follow on a little later and provide processing capacity for more fish, I think.
Filter Pump Sound: Hey, I've got this idea to find a plastic bucket large enough to fit an external cannister pump into with foam around it. This would absorb sound and be a safety water catch and I'm hoping since the motors all seem to be on the top of the cannisters, it wouldn't cause them to overheat. The worst part would be sizing all this to fit in my little cabinet under the tank... we'll see, what do you think?