I don't think that you are overstocked at all. A 55 can accommodate a lot of little fish. Too, the 30 fish between 2 schools is not the same as having 5 schools of 6 fish, which would use considerably more space.
Silver dollars are big, active fish - I wouldn't keep them in a 55. The hatchets are much better suited, and are a better match for your other fish. I would not get less than 10 hatchets, though you do not have to get all 10 at once. They really appreciate having a decent size school for security.
I wouldn't worry much about the hatchets and serpaes. The hatchets will stay near the surface and the serpaes stay near the bottom.
Silver dollars are big, active fish - I wouldn't keep them in a 55. The hatchets are much better suited, and are a better match for your other fish. I would not get less than 10 hatchets, though you do not have to get all 10 at once. They really appreciate having a decent size school for security.
I wouldn't worry much about the hatchets and serpaes. The hatchets will stay near the surface and the serpaes stay near the bottom.