firstly when using a fan, the temperature you get is dependent on the ambient temperature around the tank. So as the room temperature fluctuates, so does the water temperature. so it is normal. i think there are some threads on DIY chiller in this forum. you can do a search with "DIY Chiller". if getting CRS, I do think you are right in getting chiller. And the reasons I'm not getting chiller are the same as your concerns ie space and noise. Basically for cost concern, I'm more hesitant because of the initial cost rather than the month bill.
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