Yah stick with Fluros for now, new T5 or old T8s. Buy new bulbs. this is the thing with the hobby i've seen a few people fail with. The money that is. For example 2 T5s and 2 MHs on a tank. Your looking a bulb replacement costs of over $350.00 a year, EVERY year, FOREVER. On top of everything else thats happening, you are going to HAVE to spend at least that much every year on bulbs alone...
Keep it simple, see how you go. Keep ya eye on the 2nd hand bits and pieces and grab it when a good deal comes up (Sea Swirls turn up 2nd hand from time 2 time, as do pumps, skimmers and just about anything else).
Go big as poss on the tank too, and the sump. Size counts Can't afford it? Sell ALL your freshwater stuff, chances are you will NEVER want anything to do with it again after the marines
Pie