Like Essjay has already mentioned, and a lot of subtropical fish are suited to keep at room temperature (so, no heater needed).
That depends on the kind of fish. For there are several fish species that have a wide tolerance in temperature. And in wild nature, those fluctuations are a reality and fish just survive without a problem. They can dive into the plants or go deeper. That's how it works. But again, it does depend on what kind of fish you'll choose.The only problem with not having a heater is if the temperature fluctuates too much. For example, is it is room temperature and it is say, 18 degrees, then at night if the room temp drops, so will the tank water, which can cause stress to any fish.
Thanks for the advice. I actually put a thermometer in and am reading that it’s 12 degrees so I will be cautious before putting in fish. Can you recommend a low energy heater?. ThanksA lot of fish sold as cold water fish in shops are actually temperate fish, which means they are OK at around 18 deg C. If the room the tank is in will be at or above that temperature in the middle of a winter night, that's fine. But if it gets colder than that, a heater would be advisable. It would need to be set so the water doesn't drop below 18, and the heater would only switch on if the temperature did drop in the middle of the night. A safety net. Since heaters are notoriously badly calibrated I would test it in a bucket of water so you can find the setting which turns on and off at 18 deg C.