Lights are a lot like a used car. YOU GET WHAT YOU PAY FOR!!! My best peice of advice to you would be to look at pics here and ask what certin corals are so that you can ask and research what will or won't go together and then after you have a stocking list or at least know the general type of corals you want start looking at lighting.

Also if you can DIY then you should DIY. for 160 bux you could build a t-5 setup and have it configured in a canopy the way you want not they way that is easiest to mass manufacture.