Like, if the power goes out what do I do re my filter and heater?
For heat, wrap blankets around the tank, although in the summer the tank should be fine without anything. If things start getting really bad, float bottles full of hot water in the tank, assuming you have water heated by something which does not rely on you having electricity.
As long as the filter media is covered in water, it should be fine for at least 24 hours.
If your tanks are heavily stocked or you expect to have regular and long (over 6-12 hour) power cuts, you should invest in a battery powered air pump as you will need at least one airstone in the tank and one under the filter media, to keep water circulating through it.
Also, when I feed my corys sinking pellets at night I'm worried the rainbows are getting to it first.
That's why you're feeding at night, after lights out, so that Corys have a better chance of getting the pellets. It might help to wait half an hour or so after lights out, before adding the pellets.
Lastly (for now), I'm hankering after a Jewel 180 but reading about the filter in the booklet it seems various parts need changing weekly others monthly etc. I'm worried about upkeep and cost. Is this nesessary or marketing?
Almost every filter manual says that. It doesn't matter which brand of filter you have, the maintenance in the same: don't replace media unless it is falling apart (with the exception of polishing sponges, which can be replaced whenever, if there is enough other media) and clean only in dechlorinated (normally old tank) water.
Edit: I am assuming you already know to not use "chemical" media, like carbon, on a regular basis