All of the fish we caught this summer, along the equator in Central Africa, had their water tested. The standard temp was around 23-24. None were higher than that, even though the air was pretty well always 26.
The article is unimpressive because it overgeneralizes. I worked with tropical fish in a cold climate for years, and I've seen ice in fish bags from South America and Africa - airlines do what airlines do, and not just to your baggage. No fish survived the ice, but in the next layer of boxes back, they could be saved in most cases by sudden immersion in warm water. That would be worthless data, because it reflects nothing but a hobby situation.
When my fishroom water fell to 1 degree C in a 1998 icestorm, all fish were dead by 10 degrees. It proves only that they are not adapted to ice storms.
I detect some cherry picking in that article, though I see that for the majority of tropical species in our tanks, 23 is a good temperature. For Discus, cardinals and other warm water fish, it isn't. I heat those tanks.
For breeding fish, each species has a range you adapt to.
Somewhere I read a serious paper suggesting a 3 degree celsius drop entered the danger zone for most fish. It's a rule I've followed with zero issues. The thermocline issue is fun, as a number of species are differentiated by their depth in lakes. They sense temperatures and stay in their zone so rigidly it's a barrier to interbreeding and a motor in species formation. I believe the relatively recent discovery of a Pseudocrenilabrus species flock in Lake Mweru, DRC, bears that one out. Who assumes tiny fish live at all levels of a lake? Larger fish can, but.
Out there somewhere is a paper trying to explain why different Aphyosemion killie species in an African river stay in their own stretches and don't mix, or even seem to compete. Outwardly
@Richee , they are similar enough, but one species starts appearing where sun warms the water 2 or 3 degrees, and the other stays in shaded water a couple of degrees cooler. The discovery was they had temperature dependent digestive enzymes, and those enzymes could not adapt. The cool fish in the warm water grew more slowly, were sluggish and easily predated, and were completely outcompeted (especially young fish) by their warmer water cousins. It went the other way too. The conclusion was climate change could decimate species in the region.
But no studies have appeared to follow up - no one wants to pay people to study that. I can say that all the fish studied as needing the cooler (20-22 range) are ones considered hard to breed in aquaria, and the warmer ones are generally seen as easy.
I do all water changes a degree or two above tank temperature, especially in quarantine, as I have observed that fish facing sudden temperature drops are more prone to Ich, if it's present. I'm not sure about velvet, although I've wondered. But that's for short term drops of a few hours. Certainly fry growth at either species extreme is slowed. If you crank the heater thinking you can speed the growth of a fish from 22 degree water, you get weak fry, as bad as if you raise them at 17.
We also have that curious question of bacteria in our tanks, and fish, and not just parasites like Ich. Different bacterial diseases have their own temperature needs. That is a factor - nothing exists in isolation.