You can kind of do a "skinny" island with wood & rocks. Make sure you have several separate caves for the apistos, bn, & kuhlis plus a couple spares so they can choose. I'm too much of a klutz for very branchy wood to get tangled up in when I reach in the tank, lol. Maybe a high end tapering to a low more open area at the other end.
You definitely need more kuhlis, 5 is an extreme minimum, maybe 6 or 8? Try very hard to get more of the kind you have. It's hard for us to tell them apart but they'll know...
I'd get all the neons & wait on the rummys until you see how that looks for a while. They both are low-mid swimmers & will tend to mill around all mixed together...maybe not separate schools as you're probably envisioning. They need a bigger fish to make them school up, I don't think honeys will do it...but maybe...you can always add them later
Otos should be last in, they can be delicate, I think I said that...& how to choose them. But I do like otos...