I have the occasional live 'pod and or worm in my skimmer cup and that has gone through an impeller and a becket.  I wouldn't worry too much about the pump killing stuff on the way back to the tank.  I have a friend who had a small fish go through his Mag24 without harm. 
 
I had one 40W fluorescent over a 55gal tub and it was the most corraline encrusted rock I've seen.  Most of it bleached under MH but it looked good at first. 
 
I have a skimmer plumbed externally from the sump and other than the space it requires, there's no real downside. 
 
I think with the baffles it really depends on how much flow and the skimmer return will be a big concern as well.  With a little over a thousand gallons going through my sump + the skimmer return I know I couldn't do it without baffles. 
		
	
		
		
		
		
			
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