Thanks a lot for all your input! I am only getting the filter etc, to use as a quarantine and hospital tank. So I will only use it for short periods at a time... Better to have a proper set up than dying fish or in trouble in my main tanks, with nowhere to treat them!
I am picking up my 2 or 3 extra fancy Goldfish on Thursday and will house them for a month in the 10 gallon set up, before trasferring them to their permanent home in the 38 gallon.
As I said earlier, I'd rather have excess filtration and air stones, and do daily water changes, than have a sick fish in my main tank.. I don't want to lose anymore if I can help it..
Marie