Hiya brookie,
I can't comment on most of your choices I'm afraid, the only thing I can advise you on is that cardinal tetras are shoaling fish, and so ideally should be in a group of at least 6 (or preferably 10). Also, I think they like softly acidic water, so if your tap water is naturally quite alkaline it may be difficult to accomodate these.
As for gups - a pair of males would probably do fine in a 10 gallon tank provided they weren't super aggressive! If you got a male and a female you'd end up with loads of babies, not sure if that's what you want.
I think I remember reading once that some tetras, like neons, will happily nip away at a guppy's tail. Has anyone else come across this?