if you go with a 400 watt diy setup, when you eventually move to a bigger tank you can pop them out and use them again, so you don't need to rebuy. they are probably more than you need for a 90, though definately not too much. if i was you i would go that route as you are probably only looking at a 150 dollar difference including bulbs. rebuying an upgrade down the road will set ya back 500 give or take.
guess it depends on how you like to spend your money.