Well fortunately you're not forced to add fish or anything right now
You could just as easily keep it as a planted tank for the time being until your plants grow out sufficiently and then add fish later. The process is the same though. You can either ramp up the bioload before adding the fish so that you don't experience any significant spike in water parameters, or you can add them slowly (i.e. a few fish per week) to let the cycle catch up. In the case of adding many fish at once, just be prepared to test frequently and do water changes as necessary.
The nice thing about adding fish is that in a sense they provide a good source of nutrients for the plants. If you leave the fish out though you can add those nutrients yourself through various fertilizers/chemicals.
The "cycle" generally only refers to the bacteria necessary to break down waste and convert it to ammonia>nitrite>nitrate. There are ancillary "cycles" such as with the symbiotic bacteria that interact and deliver nutrients to the plant roots, carbon cycle, etc...
The nitrogen cycle will occurr no matter what you do. Dust and hair and stuff will get into the water and where there is organic decay the bacteria will appear through various means (air, physical contact, etc...). Some of the specialized bacteria don't necessarily appear automatically, but you introduce them into your tank when you add plants and other organisms that require them (assuming they had at least a minimal population of these bacteria when they're introduced into your tank)
Good luck, the tank sounds like it'll be awesome! Also, from what I know I don't think 10 of those fish will be overstocked at all as long as you have a decent amount of biological filtration media and reasonable water flow.