No you won't need a chiller, do not put your tank in direct sunlight. No do not put fish in right away even with live rock unless you want to use it as a canary. There are very basic corals available is you want to give the a try. Experience is not a necessity. Start your tank as you want to have it a year down the road as an example don't buy fish now that are not compatible with corals if corals is what you want down the road. If FOWLR is what you want it's not so much of a worry. A sump for the most part is a storage compartment for equipment you may want to add down the road to keep your display tank uncluttered its not a necessity I don't use one any don't have any problems.
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