We need to know the water data, specifically the GH (general or total hardness) and pH of your tap water. If you aree on city water, check with the water provider, they may have this data posted on their website, or they should be able to tell you if you call them.
As to the pleco, do you know the species? Some remain fair4ly small, in the 3-4 inch range, but some get considerably larger, up to a foot and more.
As to the substrate, pea gravel will work for many fish, but not substrate fish like Corydoras for example, so this limits those fish. The "plant" substrate might be best removed, these can have issues for fish too.