well if you are looking to just have a FOWLR that is FISH ONLY WITH LIVE ROCK.
then you can just have a couple fluorescant over the tank like a actinic and a 6500K phillips bulb.
But i feel that you will not stay this way. lots of people will upgrade many times over their hobby life.
I know many people will do the T-6 like you stated in your post you can keep pretty much alot of corals in the tank with them. But if you are looking at mushrooms, leathers, Zoo's, some zoo's are not needing lots of light. but polyops are another one.
if your tank is going to have a canopy or a open look then its going to depend on what you want to hang on your tank a fixture or a Canopy from there we can narrow it down.
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180 starfire front, LPS, millipora
Doesn't matter how much you have been reading until you take the plunge.
You don't know as much as you think.
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