You need to commit all worry, research and concern to the fish disease forum and its strict preps for the fish you're about to add. Any refusal there gets you a disease wipeout within the first year if the patterns in the help threads mean anything.
Cycling is of no concern, quarantine and fallow are the full concern.
How to use the disease forum to discern loss rate % likelihood for new tanks: go into the forum and click the avatar name of the first 20 help threads on the front page one at a time
Select 'find all threads'
Go to their first thread, it's usually a dated descriptor of when their tank started vs when disease issues developed
After sorting the whole first page, take note of how many of the tanks are under one year old and what disease controls they implemented at the start. Do more pages for a bigger picture