Ok... well, first, I suggest you read anything and everything you can about planted tanks, which it looks like you're doing. I can only offer you advice with stuff I've experienced, and i haven't been doing planted tanks that long. Check out posts by Rex Grigg, he knows a lot. Here's his website:
http://members.dsl-only.net/~rex/
lets tackle your questions...
1. Flourite is supposed to be great. I've never used it, its pricey, but I've heard its one of the best things you can use. Good choice.
2.
CO2. You're right, you dont have to use
CO2, especially with a low light tank. Its just an option. Some people think
CO2 is a bit extravagent with a 10
gal tank. I use the plant system you're refering to on my 10
gal. and I love the results. The tank is an absolute jungle. It kinda just depends on what you want. Are you looking for a really lush looking tank? go with the system you're planning. If you just want things to grow and be green, its not 100% necessary. You can get by without it. I'm just one of those people that prefer it. I love the way my ten
gal. looks since I've added it.
3. Fertilizers. This I think is pretty much a necessity, but its not complicated. For my ten
gal. I add a little flourish once or twice a week. Sometimes I add flourish iron, like every other week. Not too much of either one, or you'll be in algae hell. Search the forum for what others use.
4. As far as I've read, the best color temp for plants is 5,000 to 6,700k, if I remember correctly. I like 6,500 or 6,700 the best. They're not really yellow at all. Its all a matter of preference. what do YOU like?
5. Plants. Here's what I know.... dwarf sag is pretty easy to grow. I have pennywort in my 10
gal. I think its fabulous! its pretty. easy to grow, doesn't even have to be planted, its kinda floaty. I haven''t tried moneywort, but i've heard its a good algae buster. (Be sure to get some good stem plants that will suck nutrients instead of letting the algae get em. check out
www.aquabotanic.com for more ideas). Most anubias are pretty easy. I haven't tried nana yet. Anubias are slow growers and are nice plants. No experience with banana plant. Crypts are fairly easy. Slow growing (mine are putting out tons of new leaves with the
CO2 addition). I'm having problems with them in my big tank though. In my 10
gal. they're doing great. Giant sag. I don't know much about.
Some of this stuff you'll learn as you go along. Actually, you'll learn pretty quickly. If you haven't set the tank up, I suggest you decide on what plants you wnat, then plant it quickly right from the get go. This helps avoid algae problems and what not, and you have to keep planting things, messing up the substrate and what not. The best way to learn is to do! (but keep reading too, that helps.)
whew! that was a long one!
HTH.