Florite substrate doesn't alter anything in the water - just make sure you rinse it and rinse it and rinse it. The "dark" is actually kind of an ugly brown - so I recommend the black. Again, rinse it to death. Use a colander with fairly small holes. If you get the sand you'll need to get a fine mesh colander to get rid of the sludge in the sand. I've never used Fluval but I'm sure it's fine as well. Just remember to rinse it to death or you'll have a very cloudy tank that will take a number of water changes to get rid of. It's far easier to take care of it ahead of time then deal with a mess in your tank.
I don't worry too much about KH and GH because they are very difficult to alter. Test your tank, look up what is the range your fish need and if it fits in the range then get the fish. I've got fish that should have slightly higher or lower GH or KH but have never had any problem. The issue becomes keeping the PH stable. I DO use chemicals (PH up and PH down) to alter the Ph in my tanks because I can't easily do much about KH and GH. The water in my city averages a PH of 9.9 - WAY to high for my tropical fish, so I do use PH down. I have 29 gallon tanks and depending on the PH reading I add either 2.5 mls or 5.0 mls of PH down. I typically have to do this after every large water change. Depending on your KH/GH you may get a rebound for a few days because of all the extra hydrogen ions in the water. I just add another small amount (like 2.5 or less) and it keeps the PH in check. I know I'll get a lot of criticism for this and of course you're adding more chemicals to your water but a PH of 9.9 would kill my fish so I don't have much of an option and nobody has offered any better suggestions.
So go to Liveaquaria.com and look up the fish you are interested in purchasing and it will list the water temperature, PH, and KH values needed for that fish. You can then buy it locally or online (I buy my fish online because they have a huge variety and a lot of good information and they are generally very healthy but the shipping cost can run as high as $40 - they put the fish in a Styrofoam cooler with a heat pack or cold pack depending on the weather and they ship overnight. I have had such bad luck purchasing fish locally - that's when I started buying online). But if you have a really good local fish store then certainly purchase locally and you'll save a ton of money. Oh - and Wikipedia also has great information on most species of fish so double check the statistics there against the ones at Liveaquaria.com - I once purchased 3 albino cory's and all the stat's added up perfectly with my water stat's - but when I added them to my tank all three died within an hour - they were active fish in the bag but just died in my tank - my only explanation is that the stat's on the website were all wrong. In any case, the company gave me a store credit for the dead cory's. That's about the only bad experience I've had with online fish purchases. AZgardens.com is another website - but a little more pricey -they do have an awesome selection of plants (they started as a aquarium plant company) and I've bought most of my plants there - all super healthy. Their fish selection is awesome too - but expensive - they are consultants and suppliers to large companies including NASA.