snails are your friend
My own Neos and Amano shrimp have had no issues other than breeding stalls when dropping to 50F, but such changes happen very gradually in my unheated room and my pond. Your lights and filter will provide some heat, but temps may swing too much from your light's photoperiod. I almost certainly would opt for a heater in your situation. Just don't exceed 5 watts per gallon, or 50 watts in your case. The built in thermostat kicks off when water reaches the set point with any heater, but the coils are 4 times hotter on a 200 watt heaters as a 50 watt one. Your heater is also one area in which I wouldn't go bargain hunting. Nothing worse than a heater sticking or failing in the "on" position and cheap heaters are far more likely to do so. Good luck, and welcome to TPT.