I think Kuhli loaches are a great idea. They like gravel just as long as they have a log or something to hide under. Mine even come out sometimes in the day even though they are nocturnal. I keep mine in a group of four, they are not as active in smaller groups.
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20g tank:
2 Hatchetfish
1 Bumblebee Catfish
7 Neon Tetras
4 Kuhli Loaches
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