What ? hp chiller for 125 gal tank???

I've got a 125 gal reef tank that seems to fluctuate at times and I need to know that I will not have a fish fry waiting for me when I get home from work
I am not sure if I have a few other problems that I can correct w/o having to buy a chiller.... I currently have a 20 gal sump in the bottom now. Should I have a larger one- 30 or 40 gal? I also have the heaters in the sump. If I were to to invest in a chiller, I think I would want a 'drop-in' as I do not want to re- route the water lines. Any thoughts?????
 
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