You're right about coco and nutes not having any. that's not to say that you can't buy coco prepackaged with nutes added, although I've yet to see that. When you say "dirt" do you mean like outside your residence kind of dirt? If so, don't use that for an indoor grow as it could have bugs. Most potting soils come with a charge of fertilizer mixed in. It's really what you want to use for an indoor soil grow, but I know that some will argue that idea. You want to use what causes the least trouble. Why pay for coco just to turn around and buy fertilizer? You can get stuff that has fert to it and you might have to add some toward the end. pH is suppose to drop when you add fert as it's a little acidic, so you have that right. Just don't over fert. Keep posting in this thread as I'd like to see your progress. So many people get their problem solved and never come back. About the fert you have, you say it's hydro fert. Many times a company will put different strengths in soil fert and hydro fert. I'm guessing the reason why you got this fert is because you're not using potting soil. Therefore, if you transplant, keep in mind what medium to use and be careful how you fert it. If you get potting soil with fert, mabey back off the hydro fert for a while and see what happens.