I'll say you can't have teams if you have a rule stating no borrowing. Those two don't mix as you can borrow anything you want if you add team members....
Honestly I think you have too many rules and dates. I don't see why you can't allow borrowing and if people want to work together then let them. And what's will all the dates? Why can't people add rock/livestock from the start? You can't even add rock until 45 days after the contest starts... And then another 15 days after that before livestock is added... Seems to me the first two months are going to be pretty lame, interest will likely drop, I know mine has already
Remember it's a nano tank, most people set these things up over a weekend if that. Sure if people want to go slow that's good too but forcing everyone to follow the same timeline doesn't usually work for everyone.
If people are looking for a prize I can contribute.