What about supplementing with LEDs? I have 2t5hos and vertex illuminux on my tank. I just checked pricing and you should be able to pick up at a reasonable price. This gives my tank the shimmer and I get great coral growth. Then you are still only changing 2 bulbs, no heat issues and not breaking the bank.
Those are still above $250 which is kinda too much for me right now to spend
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You wouldn't want to see my tank. I don't use fancy equipment and I am a noob