Dont use AS with loaches, Tom and others talked me out of that for my loach tank. They will stir it up and create a dust storm and get on the leaves, etc. I was willing to pay for AS for my 240. I havent looked into it much yet but if I were just doing it now I'd probably get black flourite sand if its not to abrasive for the bottom dwellers. It wasnt available when I got my sand.
Fully grown clowns can throw even heavy coarse sand pretty far with a flick of the tail. If they dart away they will create a 'wake' behind them! I figure by the time mine get that large then either them or the plants will go in another tank, but for 5 years or so I think I'll be good, or until I move to another house and get another tank setup.