Most fancy goldfish are sub-tropical, but non-fancy goldfish like comets and commons do thrive in true coldwater tanks.
The only pleco i would advise for a goldfish tank is a common pleco, since they can do very well in cool sub-tropical temps, however common pleco's grow too large for a 55gallon.
Common plecos have also known to try and suck the slime coat off goldfish, although not all commons do this, its still a risk to take. Feeding the pleco can also be difficult, since the goldfish will swallow any food you put in the tank like algae wafers and catfish pelets before the pleco even gets a chance to eat.