I've used 20 gal rubbermaids in the fish room for a few uses... the only problem I had with them is excessive bowing... so as suggested above, get the thicker walled ones with a more pronounced lip around the top...
At first I was extremely cautious with heaters... but the end I just tossed it in and had no problems... heaters don't get that hot in the water, it's only when you take them out in the air that they overheat... To verify this, reach in your tank right now and feel the heater... not not to the touch therefore not hot to the plastic
As for impact on the fish... I have a 300 gal Rubbermaid that I grew a bunch of fish out, most of which are now living in glass tanks. They did great in the rubbermaid and made the transition to glass tanks just fine...
At first I was extremely cautious with heaters... but the end I just tossed it in and had no problems... heaters don't get that hot in the water, it's only when you take them out in the air that they overheat... To verify this, reach in your tank right now and feel the heater... not not to the touch therefore not hot to the plastic
As for impact on the fish... I have a 300 gal Rubbermaid that I grew a bunch of fish out, most of which are now living in glass tanks. They did great in the rubbermaid and made the transition to glass tanks just fine...