From the opinions I've read here, it sounds like many of you would agree that gradual fluctuations throughout the year are okay, and a slow rise and drop of 2 or 3 degrees during a 24-hour period is also okay, as long as this is the usual occurrence and the tank inhabitants are acclimated to it?
That's what I have - my tank can drop to 76 degrees during the winter and can top out at a bit over 81 in the summer, with a couple of degrees of fluctuation during the day as the air temperature in my house changes.
I finally installed a heater controller this evening, hoping it will provide more consistent temperatures than the two heaters themselves on cooler days, but I've been putting of dropping several hundred dollars on a chiller just to bring down the temperature by a couple of degrees during part of the year.