I've seen 48' 4X65w PC set ups in your price range. I have a JBJ Formosa 4'65w with fans and it works pretty nice. I've seen some other brands like orbit a bit lower than the JBJ. You would be able to keep softies and LPS higher up in the tank. I have various softies, a brain, a bubble and a frogspawn doing great under this amount of lighting. MH and VHO are better, but the set up I suggested would be in your price range.