I think everyone with an aquariam has had an outbreak of algea in some sort. First off, I want to tell you that any of those anti-algea products aren't good. Don't beleive what you here or read. The stuff in them can harm your fish, and mess up your parameters also.
As far as your fish, I hate to tell ya but I think your a bit over crouded. Red Tailed Black Sharks are very territorial and require at least a 20 gallon long for them to swim. 2 Clown loaches is pushing it also, unless there reall small, but it's not too healthy to keep them in a 10 gallon. BUT, tetras, your black neons, are fine. I suggest taking back your RTBS, and loaches, and adding some more neons, or some other sort of smaller fish.
Otocinclus Affinus are so AWESOME! I would totaly prefer them over pleco's. Besides, a pleco could never live in a 10 gallon. They get way to big. Oto's though, would do very nice in a 10. I suggest 3 or 4.
My tank was covered in brown algea. I had just planted 2 large swords, large rubra, and other various plants, and they were completly covered in brown algea. My oto's are really cleaning up the tank. It was so bad, that I couldn't see into through the glass.
One problem could have been since it has occured in the cycling process, that might be your problem? Ammonia spikes would cause that and that's normal. Overfeeding your tank, and too much lighting would also be a problem. I suggest turning the light to 10 hours for right now.
I think I might have run out of space, I'll keep checking in on this and will try to answer all your questions.
Hope this helps, and welcome to the awesome plant board,