What the others said. FWIW, I don't even use a fish tank heater; I just fill a dishpan with water at the right temperature (40C works for me), then put my solution bottles in there for a few minutes, along with my developing tank filled with water at about the right temperature. After a few minutes, the temperature in the developer bottle comes to 100F (38C), and I start processing. I return the developing tank to the water bath between agitation cycles. The temperature in the bath drops, but as the most critical step is the developer, that's OK; in the 3:15 it takes to develop the film, the temperature stays pretty stable. An aquarium heater or similar measures will of course help keep the temperature a little more stable, and if you're a perfectionist this may be important to you.