Cruella,
You shouldn't have to worry about heat if you have central air running in the summer. I also agree with Tony, you shouldn't worry about an external pump at this point in time. When you calculate your head loss, you will have at least one 90degree bend to calculate in. Do you happen to know the exact model of the tank? We can probably figure out how much flow your overflow can handle.
Michael, I have not had any problems with the QOs. Right now I have one 4000 and two 3000s. One of the 3000s is a little noisy, but it isn't a big deal. The other two are very quiet with only a slight hum.
I also think the Eheims are great pumps (have one myself), but they are definately more expensive. You're probably looking at double the cost for the equivelent flow of a QO or MAG.