No reason to step down, the Op should hear all sides.
I think it's a fine line between over or under stocking. Alot depends on the fish certainly, without a doubt. Let's take my biocube for instance, it's my most overstocked tank. I have a pair of B&W clown and a firefish for my swimming type fish. I have a yellow watchman goby who has a really nice cave and an open area in front for when he wants to perch. My citron goby hides in the back right rocks like 95% of the time perched.
that leaves my two dragonets, the scooter covers the sandbed and the mandarin flutters around the rocks. Not one issue with any fish other than the YWG doing the open mouthed gesture on ocassion hehe which no fish minds.
My system happens to work for me, it's fish only and I do my water changes religiously. All the fish are fat and healthy, dragonets included.
I havent had any diseases or breakouts or deaths. Tanks been only up for 8 months or so, so time will tell but so far as is well.
If I had the Op's tank I would consider a firefish, two spot blenny maybe, a clown goby of some kind or maybe even a cardinal fish.
I happen to have some shots of my tank, its nothing special but it's clean and healthy.