One difference will be the par like pelicanmagic said. In a 50g that probally wont be much of an issue for you. The biggest difference will be the ballast. The electrical supply "commercial" ones are probally magnetic cap/coil ballasts and they may be for only probe or pulse start bulbs. This will greatly limit you bulb choices in the futrure. Shop around and you will find a "REEF TANK" setup for about the same price. I was going to go your rout and found that you really dont save any money. I got my MH (retro)set up for $400.00 that included IceCap ballasts (top of the line) XM bulbs and high end reflectors. The nice thing about the icecap ballasts (about $125.00) is they will fire ANY and ALL bulbs including HQI. Check out hellolights.com and aquacave.com before you buy a commercial setup. By the way my kit included everything plug and play!
And 10K is NOT always 10K Here is a link to a guy who tested a bunch of bulbs and there is a signifigant color difference between makes. click the link the goto the MH testing link on the right of the page. There are 1/2 dozen 10k bulbs tested and they all look different.
http://www.cnidarianreef.com/