You have some very good advice in your post. The only thing I would expand upon is that a visual recessive male may be better if you buy multiple het females and are trying to keep costs down. I feel that a visual female is better if you are only buying a pair, or if you want to get away from producing hets sooner. This is because you can replace a het male with a visual male that you produce far quicker than you can replace a het female with a visual female that you produce. So as usual, it comes down to a choice of time or money. I always recommend that if one has the money available, they should get visual females because of the time it takes to raise up a visual holdback to replace a het female.