AquaArch, welcome to TFF.
To your intial question...I'm afraid neither stocking plan will work, for the fish, from the aspect of temperature, and the combination. I'll explain this before turning to the GH and pH.
African dwarf frogs generally do not fare well with fish. I will leave this aspect for other members with more frog experience and move on.
Temperature. In both scenarios you have a fish that needs warmth that some others included do not. The common or blue ram (
Mikrogeophagus ramirezi, in any of its varieties)should be kept at 80F/27C minimum. This is much too warm for most cories, including the albino unless these are
Corydoras sterbai albino form; the others derived from
C. aeneus, C. paleatus, C. panda are better in less warm water, around 75-76F/24C max. Neons (
Parachierodon innesi) also should not be warmer than this temp. Rummys, BN and honey gourami would not have problems either way (though the Honey at 80-82F would be at the top of its range and better a bit lower).
Temperature determines the fish's metabolic rate, so it is
very important. You might find another current thread on this worth reading, I detailed it in post #5:
http://www.fishforums.net/threads/something-byron-said.444409/
Rummynose tetra is a species that will always be better with more than the often-cited "six" minimum; I would say 9-12 minimum. Tank size here is another factor though, as this tetra does like to swim more than some other species, and I personally would not consider a tank under 3 feet/90cm length. Depth (vertical) doesn't matter but the length does for this species. Neons on this aspect would not care, so in a 75cm tank, fine, as they are not active swimmers but more cruisers or sedate, hovering more than swimming. All the species in
Parachierdon are like this, so in warmer tanks the cardinal (
P. axelrodi) or the false neon (
P. simulans) would be better...but with the latter we come to the GH and pH.
The GH (calcium carbonate) at 130 mg/l (= ppm) or 7 dGH is moderately hard but not too hard for many soft water species. However,
P. simulans will be wild caught, and is highly sensitive to parameters so the cardinal would be better here, if you can get tank raised fish. I admit it is still a bit of a push, but worth considering.
Something else with the rams...two would need to be a bonded pair. Males are highly territorial, and I wouldn't recommend more than one in this tank. A pair that have accepted each other (we call it bonded) would be OK. Not every male/female will bond, they need to choose their mate. Sometimes that doesn't last too long either, but...
Cichlids and gourami are not always suited to one another, being so much alike (male territory for instance) so I would go with one or the other. If the Honey, a trio (1 male, 2 females) would be nice in this tank.
There is a great deal beyond simple fish mass to water volume to factor in. Hope this helps.
Byron.