V, don't forget the shimmer/ripple effect that lower k rating bulbs have to offer..
20k's are useless in tanks of 30" (or lesser)depths..High kelvin rating such as 20k are primarily used for aesthetic reasons ONLY>>
Thus making corals more appeling to the human eye, due to the enhanced vibrant and flourescent color appearance they emit under high k rating lights..(flourescents)
In actuality a kelvin rating of 6.400-10.000 are the most desirable for growth.( Thats similar to Natural sunllight's k rating.. @ the tropics, around 12:00pm.
Photosynthesis of zooanthellic algea thrive in peak PAR ratios.. this peak PAR ratios are found generally on 6500k..( however 6500k sucks, aestheticlly speaking!)
20k's might deliver same PAR output. However that is not necesary true for a shallow tank...
(due to the fact that infrared light gets absorbed the deeper the light must penetrate).
Long story short: you get plenty of PAR from 10ks.
so if i was u, i would get 1.= 20k and place it in middle.. and the other 2.= 12k.....That will cover all bases...
20k for the dusk/dawn /aesthetical/lunar effect.
12k's for day light/growth/ & health's sake..
btw< what size of tank???