Go with 2 or 4 bulbs. With T5 lighting, the main thing that you want to make sure you get is individual reflectors for each bulb. Without those, T5 isn't really that great. I had a 20L set up with a 4x24W staggered setup that I really like. I'm actually selling it now because I'm not using it and I'm setting up another tank. It's got IceCap SLR reflectors and IceCap waterproof endcaps. Top of the line stuff. The TEK stuff is good too, but I think IceCap is just a little better. With a 4 bulb setup you can do a dawn/dusk effect too, which a lot of people prefer.
Eric