Bacteria develops in proportion to food available (ie) fish load and some believe that the ammonia method allows for immediate stocking of the tank to it's capacity. Others,,are not inclined to do so for a number of reasons. One must consider the size of the fish being introduced and frequency and volume of fish foods that are offered and that may or may not all be consumed. Is also worth mentioning that bacteria are also influenced by pH,temp, oxygen, and surface area available.
Obviously a small group of tetras would not produce the amount of waste(ammonia) that a large fish, or a group of medium sized fish would produce, but who is to say how much ammonia a group of fish are capable of producing keeping in mind that they produce ammonia on daily basis through respiration,urine,and foods they may have consumed and expelled along with foods that may or may not have been consumed.
For myself,,i choose to stock the tank gradually while quarantining new fishes after the intial few have been added to keep the bacteria active. Nothing worse in my view than patiently waiting for the nitrification process to render bacteria, only to wind up with a tank full of sick fish, and then having to medicate the whole tank which can be expensive depending both on numbers of fish lost,and or the volume of water being treated.
As far as how hardy the bacteria are,,so long as no more than 50 percent is lost through accidental over cleaning,,the bacteria can reproduce quite quickly if conditons are favorable.
Is wise to space out maint so that not everything is not cleaned at one time. One week clean the substrate perhaps one half,the following week clean the filter material in old aquarium water or dechlorinated water (not tap water), and the following week,clean the other half of the substrate and so on.
Many folks run more than one filter and alternate cleaning them in an effort to preserve the bacteria so that not too much is lost at one time. Hope some of this helps.