[wayner]

I'd look into a combination of 1 & 2. Save up and get yourself a nice MH&T5 combo fixture and you'll get the best of both worlds. The good fixtures are made from aluminum and don't use fans which is nice because they control heat nicely and do not make any noise. You can also hang the fixture a little higher than T5 alone fixtures which will also help with heat. As a last resort you can always add a fan to blow air over the water and under the fixture which in my experience works really well on those hot days. My tank is easily kept below 80 in the summer with too small computer fans.

I agree!