hi tosto and welcome to lol.
I think you're right and we tend to overestimate tank sizes rather than underestimate. It seems wiser if you take the long view.
No, you don't 'need' a one hundred gallon tank to house 2 loaches. And yoyos don't get as large as clowns can, so you're right. However, eventually, you will notice that your yoyos will begin to look like they need more space too. A 55 will do nicely for small group of adult yoyos in my opinion.
Not everyone can have a large tank, but does that mean you can't keep loaches? No. However, if you're talking clowns, and are hoping to keep them happy and healthy for
years you will likely do one of two things:
1. start out with a 100g+ size tank and not need to upgrade
2. start out small and upgrade as they grow...or not.
Depends on the fishkeeper. Some can and have kept fish that live for many years. Others have a hard time keeping fish alive for a year. There's a million causes for fish deaths and they are not all related to poor fishkeeping practice.
When you are keeping fish in smaller tanks, yes, filtration is very important, and can make a major difference in successfully keeping them healthy, along with water changes.
To be very honest, I currently have 4 clowns ranging from 7"+ to 1.5" in a 55g. The littler guys are perfectly happy, but my largest clown can shoot from one side to the other of the 4' tank in less than a second. I
know he needs more room, but I don't have the option to provide a larger tank right now.
So--I'm running 2 Penn Plax 1000 canister filters on the tank, and there are only two other fish in with the clowns-- 1 lonely surviving leopard danio and one juvenile blind angelfish. For now, it's the best I can do, so it's what they are stuck with. Not the best scenario, but...we all have to do the best we can with what's available.
In the long run, however, it is better to start out knowing what the future tank size and needs of the species you plan to keep are than to find out after the fact that you can't meet those needs.
