Can I ask where you got the thing about Excel? I use it in all my tanks and it’s never done anything but help my plants.
The effects are well known in several forums, and a fact of science. By contrast, my opinion that this does not belong in an aquarium with fish is my personal opinion. Just look up what glutaraldehyde is and ask yourself if you really want your fish swimming in this. Maybe you do, but I don't and I feel it is only fair to caution people. In my view, anything that kills plants including (sometimes) algae has no place in an aquarium. This is just my view, but it may explain why in 30 years this approach has kept disease down to three (four if I count the toxic wood incident in 1997) times. The fact that Seachem or anyone says it is "safe" does not matter to me, I define safe differently. And like so many things we do to fish in tanks, it is so often way down the road that the fish finally succumbs and who can trace it back to this or that? Hard water for example slowly impedes the soft water fish's physiology, and calcium builds up blocking the kidneys. This may take 5 or 6 or 7 years, but it kills the fish at some point. A controlled experiment in Germany in the 1980's established that the lifespan of cardinal tetras was directly proportional to the level of GH. Then there are nitrates, which some still flaunt as "harmless," but we know that they slowly weaken the fish, and it becomes susceptible to disease it would otherwise not have, so this impacts its life too.
Same for the substrate. To be fair, most of my tanks have been heavily planted betta tanks and small 20-30 gallon communities, so that’s fairly different, but I’ve still never seen anything happen as a direct consequence of using the substrate or fertilizer.
But how would you know? If a cory after you've had it for say 1 or 2 years, dies, I suspect few of us wold have any idea why if we could not see external signs. Ian Fuller knows about cories, and he says never use these substrates because of the bacteria issue. I had an importer of wild fish in Vancouver tell me the same some years ago. These people know mor about this than I do, and I listen. I do not want to risk my fish just to have this or that plant. Enough plants will thrive like weeds in inert sand and fine gravel for that matter, without my risking the fish.
I usually use pool filter sand in my tanks, per the forum, but it gets dirty extremely fast and I’m pretty sure it makes my fish duller in response as well. Might switch to regular Sterbai or panda Cories if albino fish are a problem on black, though. Don’t see why the loaches would have a problem on black sand.
All cories have problems over black if they are not already black. I used play sand for a decade, and never had dirt or problems. Maybe this is more of the minimal approach benefits. My 115g tank with 60 cories never had the vacuumnear the sand, and if you poked into it the dust that came up was barely noticeable. I guess the cories are pretty good housekeepers when given what they need/like.
Aquarium Co-Op does have a guide suggesting to use a air stone with my co2 for my fish, so I think I’ll probably toss one of those in to avoid killing them, should there be a end-of-tank dump.
I agree on the dangers...but this is exactly my point in all of this...obviously there are serious risks with these extras. I had to increase the filter surface disturbance because of CO2 rebuilding during darkness and affecting my cories. It was obvious what was occurring. There was an article in PFK three or four years ago that evidence was gathering that CO2 does harm fish long-term in planted tanks. Not surprising, look at what CO2 is doing in the environment. And the level of CO2 by diffusion is way above what any of these fish would ever encounter in the habitats. Each to his own.
Here are a couple photos of my tanks along the way. No plant/soil substrate, just playsand (first photo) and fine gravel (second and third, before I was told about the cories). No CO2. I would not say these plants are not thriving without all the bells and whistles.