I agree about nasty things growing in stagnant water. I came up with a simple way to flush the lines, but can't figure out a way to keep a water tank from sucking all the heat out the aquarium when the water heater fails. Around here the water in the winter is really cold. Then I was going to do a heat exchanger by stripping the sheet metal and insulation from the hot water tank and wrapping it with 150' of copper. Until I priced the copper, that is. And there's still the problem when the water heater fails.
So, I'm leaning towards a dedicated tankless water heater on a closed loop.