"Underground provides an enormous amount of insulation from the heat."
I wil not argue that, especially if it is 3' deep.
"I can only put cacti there. I think your tank/pond would easily reach 100° by 9:00 a.m. at least."
But I will argue that, even when I had my pond in direct morning sun in June/July/August if never exceeded 95 F. Mine is 500 gallons and deep, yes it is above ground but it would still take a long time for it too reach the same temperatures as the air. I could be wrong, but that is my experience.
I wil not argue that, especially if it is 3' deep.
"I can only put cacti there. I think your tank/pond would easily reach 100° by 9:00 a.m. at least."
But I will argue that, even when I had my pond in direct morning sun in June/July/August if never exceeded 95 F. Mine is 500 gallons and deep, yes it is above ground but it would still take a long time for it too reach the same temperatures as the air. I could be wrong, but that is my experience.