Hey,
Welcome to Canreef. There are lots of helpful people on the board as well as you can search through old topics and threads.
About the GFCI though, I don't use them basically for the reason you stated. I don't want it tripping and wiping out my tank. I'm sure there will be other suggestions or comments on that one.
Wavemakers are great accesories but are by no means neccisary. Put the money into something more important first... then buy the fun toys. Also, leaving your powerheads on 24/7 is good. The reef needs lots of circulation to remove wastes and deliver oxygen ect to your inhabitants.
I would go with digital timers. They are more expensive but its a one time buy and worth the investment. Maybe 20-40$ each?
No worries about the questions. I'm still learning and look 700 posts.. most of which are questions.
Good luck.