I think a HQI pendant 12" from the surface of the water would be fine. Just use a higher K bulb and you shouldn't need actinics unless you really like the blue look. I wouldn't put a glass cover on your tank for 2 reasons: 1)salt creep on the glass requiring constant cleaning 2)your tank temperature will go up.
If you are worried about fish jumping, then use eggcrate, but you will cut down on some of the light going into your tank. Depending on how much flow you want in your tank, you could always do a Mag X through a SCWD. Just make sure you get a beefier pump as the SCWD really cuts down on flow.
__________________
32"x32"x20" Cube-ish tank
|