[Six-line Wrasse]

For fish only, you don't even need lighting. I would recommend it so you can see your investment, but you don't need'em.

As for the Perfecto single tube setup, it's usable for fish-only tanks, but I even then wouldn't recommend it. They're cheaply made and sit far to close to a tank's water level (with little protection) for my taste. Also, if you ever plan to upgrade to corals, then you'll have to upgrade anyways.

Also, the filter is crap, I would lose it and just go ahead and buy an AquaClear 500(110) as your filter of choice. You can easily remove most of the filter media (sponges, carbon, etc.) and replace it with other filter media of higher quality. This is the route I would go for all intended purposes.

Back to the lighting situation. Are you DIY-friendly? (AKA, can you follow directions and assemble moderately challenging retro lighting kits.) If you can follow instructions, which most will come with, than you should say yes. I would retrofit a number of bulbs into a custom canopy. A local woodworker (or brother-in-law) can and usually will produce a pine canopy for under $30 - 50. This is a much better way to go than ahead and buy a pre-built PC-only canopy which will cost roughly the same amount.

If you have any questions or if something doesn't make sense I should be around for another couple hours before I really dive into my books for tomorrow's final.