Hi and welcome! Everyone just wants to help you have a great tank with inhabitants that are going to be with you for a long time. So, try not to take it as lecturing :) People are just speaking from experience and trying to save you some headaches.
Tap water is going to give you some water quality problems, for a 14 gal I say, run to petco, buy a couple 5 gallon boxes of premade salt water and use that. It's easy and your tank will look better and have fewer problems, i.e. phosphates, algae, unhappy inverts etc.
Biocubes are great, but, you do have to be careful when picking your fish, as you can ony keep 2 or 3 small peaceful fish. The puffer fish you chose may not live long in a tiny tank (the stress of a small tank will kill him) and is very aggressive, he may eat your snails and crabs and will have to be the only fish in there, not sure if that species if reef safe, if not, then you won't be able to keep corals. But, that's up to you. Everyone is gonna do what they're gonna do. I've had 2 perc clownfish in mine and they are fun to watch and very peaceful.
Also, doesn't sound like you cycled your tank, should take a few weeks to see ammonia, see the ammonia turn into nitrites, then nitrates, then everything goes back to zero and you're safe to add living things. I waited 5 weeks to add anything to mine when first starting up.
My advice: return the puffer, they'll take him back, no worries-it happens all the time. Cycle the tank. Test every other day and you'll see the levels rise then fall. Then add a clean up crew and a fish meant for a 14 gal tank, clown, goby, firefish, etc. If you google "nano fish" you can find a lot of fun ones!