If you do it properly, exactly the same level of difficulty, except cycles etc take that much longer in coldwater. There are no shortcuts in marine, same nitrogen cycles, same algae cycles etc and the likes of the jewels and sponges (and coraline) require a clean mature tank to survive.
The savings are in power (heating and lighting), suppliments (no need to dose as regular water changes will do, even calcium and alk never move - only coraline and a small amount of shell growth consume it), and of course stock is a reasonable price 8).
and its a lot of fun and the whole family can play!