Any rule of thumb is pretty sloppy.
A person with a tank with excellent husbandry: automatic water changes, filter socks, skimmer, chaeto refugium, aeration, temp control, ATO and decent flow, will be able to have far more fish per gallon then a tank that is just a tank with no husbandry.
Another thing, even with the best husbandry in existence, things will not work if you have even a small fish that is hyper aggressive and dedicated to the proposition of murdering all of its neighbors. The community you have makes a big difference.
And an inch of fish is not a good rule. A fire fish is about 2” - 3” but they are very slender, sedentary, passive so they do not add much stress to the system. My kole tang eats piles of nori, is very active and full bodied but it is maybe twice as long as a fire fish, but I bet it has 10 times the impact.
Also, it you are in an area with possible long power interruptions those can cause a tank crash if you have a system with a bunch of fish because all of your systems will shut down (unless you have a power back up). My system has been through multiple power shut downs of pretty long duration (say 5 days) but with battery powered aeration it has come through. So plan for a worse case.