I thought I would chime in on this. I have a 55 gallon and began with PC's. I have since upgraded because I was not happy with the level of growth seen for even the easiest of corals. If you buy softies that are already big enough for you, then PC will do, otherwise you will spend many hours staring at your tank wishing you had saved the money to buy the lights you really wanted. Needless to say, I now have one of the most expensive refugium lights in the hobby thanks to this spontaneous purchase.
The best route to take would be to look at tanks that you like and determine the direction you want to go with coral species. Consider that if you are driven by challenge, you will want the more difficult corals with time. I ended up with (2) 175 metal halides and (2) 46.5" VHO bulbs on my tank. I am tickled with the ability of the system to sustain and grow soft, LPS, and SPS corals.
As Brad said, heat can be an issue. I currently have two fans running on my hood that switches on and off with the lights and I run a 9 hour metal halide on period. My tank doesn't get above 82 F, but I have a fairly high daily water evaporation.
If you are a do-it-yourself type person, you can get much more bang (in this case lumens) for the buck. I built my hood and lighting system after I went through a large internet research effort.
Well have fun, and come see us at a meeting.
Later,
Trey