If you take the scientific name of the fish and put it into a serious site or check a researched book, you may find we overheat. For example, the honey, in the rare case it's a real one, is Trichogaster chuna, and its range is 22 to 27. Pangio semicinta, the kuhli loach? 21 to 27.
So at 70f/21c, you are just under the bottom range for the chuna, and on it for the loaches.
Problems? Maybe, if it drops lower. Studies have shown temperature affects digestion in fish, a lot. But I would argue that while both fish can handle a high summer 27, and both will face warmer for longer periods than the short cool season, heat probably harms them longterm. Ideally, you'd want to be 23, 24 for them. Moderation...
I would use a heater, but one that you can set low.
We misunderstand tropical. In heavily forested zones, sun doesn't get through the forest canopy to warm the water, which generally flows downhill from higher elevations. I have fish here that come from places where the air is at 26 year round, but the water is at 20-21.
With many fish, a book from the 80s will say 22 degrees. By the 90s, 24. 2010? It's at 24. Now, maybe 26. Why the creep up? It's a good question, but it is a pattern in the hobby.