I hope I am not being too long winded here (too late)... the Law of Conservation of Energy says that energy is neither created or destroyed it just changes form. This gives us a few things:
1) All the energy going into a pump will be used by the pump in some matter. It will be used to move the water, heat the pump or make noise. The energy required to make noise is generally very negligible so we are just going to ignore that.
2) 1 watt = 3.4 BTU/hr. It doesn't matter if a heater converts the watts to BTU's or if a pump converts the Watts to BTU's. Every watt that is converted into heat makes 3.4 BTU/hr.
(BTU's/hr and Watts are actually the same thing. BTU's/hr are just the English measurement system and Watts are the Metric measurement system but it is usually easier for for people to think of BTU's/hr as heat and Watts as electricity.)
4) The wattage rating on a pump is the maximum amount of work the pump will do, it is not the amount of electricity that the pump will always continuously use.
5) The amount of electricity used to pump the water is directly proportional to the amount of water being pumped minus the energy converted to heat. So when the flow of water through a pump is slowed the pump is actually doing less work and uses less electricity. You can actually see this with one of those kill-o-watt devices. If a pump is pumping water to your tank it will use a certain amount of watts to do so, lets say 100 watts. If you put a valve on the pump output so the gallons/minute are lower the pump will be using less electricity, maybe 75 watts. If you shut off the valve and stop the flow of water completely the pump will use much less electricity, maybe 25 watts, because it is not moving water and not doing work. All of the 25 watts of electricity the pump is using will then be going into heating the water (assuming a submerged pump).
I have external pumps and submerged pumps, my preference is for the submerged pumps... mainly because any extra heat will go into the water instead of the air like an external pump. But external pumps can usually be found in larger sizes than submerged pumps which is a definite consideration for your application.
PVC is a pretty poor conductor of heat. I doubt you are loosing a lot of heat through the PVC pipes. Especially since the temperature differential (the temperature of the water vs the temperature of the air) is minimal. Even the heat lost through the glass (A better heat conductor than PVC) is probably only a small percentage of the heat lost from the water in your system. My guess is the vast majority of the heat being lost from your water is through evaporation. It takes a lot of energy to change liquid water into gaseous water. Here in Central Oregon during the winter it is VERY dry. I loose a lot of water from my tank and sump due to evaporation. I don't mind during the winter because I figure it is just supplementing the humidifier I run to keep my home comfortable. In the summer though I cover everything and try very hard to minimize the amount of evaporation from my tank and sump because the extra humidity makes my house very uncomfortable when it is hot outside. If you can cover your big sump and tanks I think you will be very grateful when the summer heat comes. Building the wall you talked about will also help confine the humidity and heat to your fish room.