If I were you I would get the biggest tank that you can afford and go from there, tbh there isn't that much price difference between a 65L tank and say a 300L tank (maybe an extra $300-400 on equipment). You could then use the 65L tank as the sump on the bigger tank (might have to be slightly bigger if you want to stock it properly).
Because lets be honest, if you get the 65L tank up and running your going to want a bigger tank and have more fishes and corals aren't ya? :roll:
Before you buy any more equipment have a look on trademe to get an idea on how much extra it will cost to upgrade to a good sized reef setup, and if you can afford to, upgrade!!
oh and sumps don't need to be complicated for a small tank, a good basic sump has a slot for DSB, a few peices of live rock, and ceramic noodles - pretty cheap and easy to make.