I recently set up a 100 gallon tank for a pair of Oscars. I'm using 2, 250 watt stealth heaters, one on either end of the tank and they are doing a fine job. The benefit to two undersized heaters is that if one "sticks" on, it won't be able to boil your fish.
As far as filtration, I would recommend going with the Penguin 350 on both sides. Typically it will only save you a few bucks to go with a smaller model, and the more filtration you have, the better off you'll be. A lot of people I know are very fond of the AquaClear HOB filters, too. I have no experience with them myself, but those who I know recommend them above the Penguins.
As far as substrate, I would agree with sand for Tanganyikans, especially if you plan on including any shell-dwelling species.
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