This thread can veer into bad info REALLY quickly.
I don't heat almost all my tanks. I believe we tend to overheat aquaria. But I also look at each fish species I choose carefully, and that includes habitat. Colombia, for example, is a huge country. Sure, there are mountainous regions where it gets cool, and the fish there like cooler temperatures. But cooler water generally means larger fish. They don't sell.
You have to check which region your fish comes from, and what its annual average temperature is. A Colombian Mikrogeophagus ramirezi comes from 27-30 degree water in the wild. Most exported tropical fish come from a narrow enough region within a vast country, and it's the warmer part of the place.
Beware of info that's what you want to see. Always cross reference with a site like fishbase.org to get data on the natural habitat, and always refer to a map.
I have Colombian fish here, and some are unheated if the room stays around 20. Some would do poorly at those temps. Some would up and die. Some need heaters, as much as I hate having heaters. If I want the species, I have to keep it correctly.
Research into fish and temperature is moving along as a result of climate change studies. One understanding coming out is that a dividing line between species in the same river can be temperature. Aphyosemion killies from 19 degree shaded water are replaced by different species in warmer lowland stretches of rivers, because their digestive enzymes are tuned to temperature. They can't colonize each others' habitats because their young grow too slowly, due to temperature related digestive problems, to compete. That's what we have to think about - phenomena like that.