It depends what fancy goldfish you have, I have a large celestial eye and that needs slightly warmer temps so I keep a heater set at around 23-24 as they are sensitive to cold but not all fancy goldfish are as sensitive, as for plants if you have a deep substrate and manage to get the plants growing well before the fish are introduced they should be ok, my fish has vallis, hygrophilia, sagittaria and crypts in the tank and he does not dig them up or eat them but they were growing in this tank long before the fish was put in, I also have java fern and anubias which he leaves alone but these are attached to bogwood as they cannot be planted, the only plant he eats is the hornwort that is floating and duckweed that occasionally finds its way into my tank.