Guppies and bettas can and do fight. Maybe you're just lucky. As for the frogs, I haven't heard that to be the case very often (I've heard about it once or twice, maybe) but I don't have much experience with ADFs. The only reason ADFs would try to go after a bettas is because of their poor eye sight. Again, a betta is probably best off by himself.
Bettas aren't really strong swimmers (they make mad dashes when the need arises) but they prefer low current.
Even without fins, an adult betta is 1 1/2 - 2 inches. Two guppies and a betta is far too much for a 2 gallon tank. Plus as I said before, male guppies are have their own territories. Most keep who keep guppies in a 2 gallon set up keep ONE. Plus that sizing gives no issue to the quality of life. My betta swims all around his 2 gallon tank. Why overcrowd the fish when they would be happier with extra space?
I assure you, my Hagen is not crappy. It's a nice piece of work. It does the job and works perfectly. A heater works by heating only when it is cool enough, so even a slightly stronger heater is okay. The only reason not to keep a slightly stronger heater is because if it malfunctions it will overheat the water. It's important to test the heater after getting it (that it cuts off) and keep an eye on it as a part of daily maintence. I ask you, how would you know if a 25 watt would work or not in a 2 gallon, since you don't heat your 1 gallons? The recommended size for 10 gallons would be two 25s, in anycase. All I can tell you is that I've been using good, reliable brands of 25s in my 2 gallons and they keep a perfectly steady 78 degrees temperature.
Even if you live in a warm climate a warm
is necessary to keep a steady temperature. I live in Georgia, which is nice and toasty most of the year, but a human house is not set at the same steady temperature as a fish tank needs to be. I would be suprised if anyone home (outside MAYBE a senior citizen's

) is 80+ degrees, steady all day. I honestly have never been to a house like that - you'd need to block out light, keep the A/C stead all day, not open windows.
I
have used the 8 watt heaters and they are really awful. They're not worth the money. There's no pilot light (ha, at least you know when the 25w is working!) so you'd never know if that thing was stuck on "on" and it does not keep a steady temperature. You get what you pay for and those Jr. Heaters are garbage.