I had a 90 gallon in my house no problem for years and it was parallel to the joist in the center of the room. My current 120 with 40g sump is against an outside wall but still parallel with the joists. I haven't notices any sag yet but it has only been up less than year. I did all the same research as you are doing now and I determined for my house "I should be" safe. I also have I -beams for joists which I believe are better. I really does depend on the structure of your floor and where you are going to put it in your house.
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