I agree with Layton, the more even the light across the tank the better.
It also depends what you are keeping, blasting the tank with lots of light wont help torch corals/euphyllias/ trachs etc as they need moderate light.
I have found that that the 250w de are as good as 400w se. otherwise I would be using 400w if they were better.
Why don’t you do a plan of your tank and work out were you are going to put your coral, and then you will be able to plan the lights.
There is no advantage of disadvantage using t5, floros normally give your fish better colours as metal halide tends to fade the colour of coral and fish when you are looking at them, especially the 6500k/10k.
Electronics metal halide ballast would be a nice addition. 250w bulbs are generally cheaper than 400w.
A nice mix of bulbs would look good; say 10k and 15/20k. The higher Kelvin will offset the 10k effect that you get.
And, save up for the power bill.