It is more expensive to buy lights to "make do" get the ones you want right off, even if you have to save for a short time.
My story: I always wanted coral, more than saltwater fish...I bought a fish only light $250.00, a few months later I was ready for coral so I upgraded to a coralife PC with 4 bulbs $300.00, I wanted an anemone...so I upgraded again to a bigger coralife PC with 8 bulbs $400.00, I tried a T5 but it lasted only 6 months, I don't remember what I spent for it...they were very new then and had problems. I wanted the ripple effect where the light dances in the water and any coral I wanted, even SPS...So then I went with 2 X175w MH with 2 X 96w actinic....$1000.00, which I still have.
As you can see I spent $950.00 + whatever the T5 cost me, on lights just upgrading to what I wanted in the first place.