4" Will be plenty of clearance unless you have a large fish who likes to kick up sand, for example I have 2 12" plecps that like to turn their tank into a snow globe. If you want live plants try anubis, Java fern, or a smaller sword, I've kept these with 2 different groups of silver dollars and never had a problem. Another bonus is that these plants are very undemanding when it comes to ferts and lighting.
