i agree with everything Chris just said. especially this ...

As much as much as I would hate to keep someone from moving up and away from a pc light, why would you need to change to a t-5 for macro algae and mushrooms? If you were planning on growing some corals like sps or zoos, rics or anything needing intense light I can see the jump up.
Now here is where I disagree with the benefit of using a 96 watt PC, you will never get the penetration of light that the t-5 and reflector will give, even though it may be more wattage(PC), the penetration intensity is hardly what you need to sustain any type of light loving coral below say 12" and I think I am being generous with that estimation. Having said that you will not get 96 w of pc to the bottom of the tank, with the t-5 you surely will be getting per watt more percentage at a lower level in the tank and it will cover more area as well. And I will agree that the t-5 bulbs will last longer, without having been overdriven you should get a solid 18 months out of your bulbs,if they are overdriven maybe a bit over a year.

oh wait, that was everything, lol.