The amount of fish you have lost that came from a stable system tells me there's more at play here than you realize.
Either way, .1 or .01 is not good for the tank. Perhaps it took you a bit of time to find the dead fish and that spiked the ammonia. Since you have so many problems with your tanks thus far, I think you have to get back to basics. Not sure what your stock list is right now, but I really want to suggest starting fresh from scratch. Bleach (or acid) all your LR. Get all new sand, and a starter kit of bacteria. Any fish you may have should go into a QT system with Copper or CP while you "start up" this tank.
Remember to start slow in this hobby and don't rush into things. Good things happen slow, bad things happen immediately. This hobby isn't fun when you have constant death and diseases on your hand. It really pays to go slow and methodical.