if you dont plan to ever put in hard corals dont bother wasting the cash on metal halides. fish merely respond to the light cycle. but they dont feed off the light as the hard corals do.
vho's do make your fish look nicer as they bring out the colors more. but you'll do fine with NO flourescents (cheapest there are)
a blue and a 10k daylight will do fine. but the blue isnt necessary. though it is nicer. as you can adjust yourfish to the light. by turning on blue first, then white an hour or so later.
it's sort of like, imagine being asleep in bed, and someone walks in and turns on a bright light right in your face. dont like it do ya

same thing with fish. the blue doesnt shock them so much, then turn on the white later. also as someone mentioned, with No's you wont deal with as much algae.