And the worms are most likely just bristle worms. i don't think they can be harmful, and are pretty much a natural part of a new tank. They will go away soon enough. Some things eat them.
Sok its better to learn now then in a few months. As a rule of thumb sources of nitrogen is the largest cause of algal blooms, but the second largest is phosphorous sorces. As long as you keep those in check and have a good clean up crew your cleaning will be minimal. You will still have to clean yourself but not to much.
I went to LFS yesterday and got a proper crew. For my 90 gallon they suggested (10) mini hernit crabs, (6) snails... the kind that burrow into the sand, (4) larger snails. The algea was gone in about 5 hours!!!!! I hope there aren't too many!
Miscount on the red tip hermit crabs... there are maore like 20... are they going to eat all my good algae??? If so, I will take some out..please advise
hermit crab's don't really eat algae unless they are so desperate for food then maybe they'll eat algae a good snail crew like cerith, astreia, abalone, trochus are all great choice's to keep that algae in check.