sounds like you're being pretty realistic to me, I don't think you have to go FOWLR to begin with, I think if you start with the right corals you should be fine. Things like mushrooms, leathers, xenia are all pretty easy care corals and will give you good practice for measuring your levels (salinity, magnesium, calcium and kH). There are a few salties in Wellington, but i'm not sure where the local marine lfs is sorry. Your main spends will be your skimmer and possibly your lights depending on what you want to keep, buy the best you can afford as you'll only end up upgrading later. There are often a few setups on trademe that you can get for a reasonable price.