NO WAY! this is what forums are for.
With plants in the tank and normal substrate you can add fish right away. (within reason) Plants help prevent ammonia and nitrites from building to hazardous levels. They actually prefer them to nitrate (NO3) because its easier for them to use it. I have decaying organic matter in the tank that could cause a rapid spike you don't.
Bacteria still build up just over a longer period with plants competing.