You are absolutely correct in thinking that larger bodies of water have larger degrees of flexibility pertaining to stocking densities. This is 100% without a doubt.
As long as water quality is perfect, there is enough space for the amount of fish to move about comfortably (without bumping into each other incessantly), there is no reason to think that the fish would not thrive.
However, there IS a cap to this sort of scenario. There is a point at wich there is too many currents in a given tank for the fish to comfortably rest. Unless, of course, you had a MASSIVE biofiltration system that allowed for a minimal gph to flow through and still keep the water clean, much like pet shop filtration systems. Then, you could REALLY pack them in there. But, in my opinion, there is no fun in keeping a tank so full of fish that you cannot focus on just one....
There is a hypothetical growth inhibiting hormone that supposedly build up in the water. All of the fish in the body of water detect this hormone and slow their growth rates according to the amount of it surrounding them. You can equate it to photoperiod sensitive plants that fruit:
These plants grow vegatatively until the photoperiod begins to have more dark than light. Now, to use this trigger, there is a hormone in the plant that builds up during the dark period. Once the hormone reaches a certain level in the plant, it will put forth enegy into growing fruit during the following day of the photoperiod. If the dark period is interrupted by light, the hormone is destroyed by the light. When the source of light pollution is removed, the hormone begins to build up again. But, since it will not be able to build up to the necessary level for fruiting, it will not put forth the following days energy into fruiting, it will begin to revert back to vegatative growth.
The same can be said for the growth inhibiting hormone in fish. If it builds up to a cetain level, it can effectivelly turn off the growth of the fish for more than "a day". It is also further assumed that this homone is not easily expelled by the fish either. So, it could take quite a bit of time before the fish is triggered into growing again. This hormone is in retaliation to the lack of food, space, and water quality that is almost always part of the equation in overcrowded circumstances.
Basically, it is up to the discretion of the keeper how many fish they like to keep in any given tank. As long as the water is clean and the fish are healthy and happy, you can't knock 'em......
Java,
Dont take this the wrong way, but there is a very good reason why your goldfish are only two inches at two years of age. They are stunted. Keeping 3 goldfish in a ten gallon for that long almost assures this. Wether it be from nitrAtes being too high, hypothetical growth regulating hormoses at high levels, "fin room" or what, they are most certainly stunted. Again, dont take it the wrong way. A two year old fantail goldfish should be well over 6 inches long, unless it were a fancy variety like siamese dolls or the like.
Example: I have a goldfish, raised from fry, that is less than a year old and is now pushing 5 inches long. I predict it to be 8-10 inches by its second year. This fish was kept alone in a 5 gallon for a couple months, then a ten gallon, and now a 29 gallon.
Your idea of tanksize and gallonage for your future tank is a very realistic projection. Its definitely a good base to start from.....
Hope this helps!
Paul