My fish don't have the bare minimum. My two bettas have their tanks finished. I have a very small female in a 2.5 gallon mini bow that is 100% decorated. My male is a small HMPK as well who is only content in his 2.5 that has a large skull (which is loooves hiding in) and live anacharis. They are very much spoiled!
The plants and decor would be for my set up 10 gallon that I have tetras in right now. I wanted it to be 100% live, but I couldn't afford all live plants so I got some fake ones, too. It is fully decorated as well with a terra cotta pot, wendtii, moneywort, java moss, marimo ball, and the 2 fake ones.
So none of them have "bare minimum", I would just be adding on to the 10 gallon set up that is already finished.
I think I'll be able to make $50 from old aquarium stuff I hate or no longer want, and if so, I will be setting up this 10 gallon I got for free and divide and decorate it. I realllllyyyy want another HMPK, so if they really are $8 at PetSmart, I would have a good $40+ to decorate/divide the tank still.
Kaida- CT Female 2.5 Gal.
Julep- HMPK Male 2.5 Gal.
Fandango-HM Male 10 Gal.