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they are from south america.. their tropical fish.. so yes you need a heater..
and it depends on the pleco as to how big they get.. anywere from a few inches to over a foot long...
I have seen where folks keep plecos in a goldfish (coldwater) environment. That doesn't necessarily mean that it is a good idea. The cold water will stunt it's health and growth.
Foot long or bigger pleco's are not uncommon. There are dwarf varieties that get just a few inches (Albino bristlenoses for example).