Those water change requirements are skewed once it is inhabited with plants, I won't be gravel vacuuming. 20% water changes are fine for a heavily planted filtered tank.
Yes I know how to acclimate.
The white is so small it's hard to tell if it is fuzzy or what. It's not spreading. He only darts if something spooks him. I'm not sure if he's rubbing, if he does anything that remotely resembles rubbing against something it's when he's swimming up and down in one of the corners, which I thought was just him trying to chase something.
Also the patches don't look as bad as yesterday.