If this is your only tank, I would wait, especially if you are so close to the end of cycling. Maybe wait a couple more weeks. I have changed substrate on 2 of my tanks - a 10 gal and a 29 gal. However, I had a 46 gal that was already established, and after I switched, I just used some gravel and filter material from my established tank to seed the other 2. I used pool filter sand, IMO it is worth the extra few bucks. I only had cloudy water about an hour or so and it is very easy to use a gravel vac on as the sand is much heavier than play sand.