Hi,
Just a word of caution, the inch per fish rule does not apply to saltwater tanks. With saltwater, some fish, regardless of size, may need lots of swim space and overcrowding will stress them out. Do your homework on each fish, make sure that the adult fish is going to be happy with the size tank you have. Be mindful of what fish you purchase, because not only do they need to get along together, but what you add will dictate what you can add later. These are the guidelines of how to stock your tank. Some fish are bottom of the tank dwellers, and others hang toward the middle or top of the tank.
As for water changes, the more often you do them, the less water you have to swap out... a daily 1 gallon water change will keep your tank looking great, and not require too much effort, 10 minutes tops. All you have to have is a holding tank for mixed saltwater that is kept moving via the utility pump....which requires space. A 3% monthly water change is perfectly okay, but then you have to mix the water, let it churn 24 hours before use, and the chore (depending on the tanks size) of removing and adding in the new water. A flex hose attached to the utility pump (that was churning your water) is very useful to save your back, and it speeds things up since they dump water pretty quick.
Jay...LOL... Your poor fish need some room to swim.