I have the 36 over my 90, because they didn't have the 46.5 yet so I only have 380 watts of VHO, which I consider week and really wish I had the 440.
I don't think you would regret going with the 46.5 or the 48 inch, you'll just have to do more adjustments with the hood and the 48 inch bulb.
Just a bit of advise: Always have an extra set of bulbs on hand, don't wait for one to burn out and be stuck with out it.
Thomas