I agree with tlkng and sleeps, I would avoid using Tap water for the specified reasons of algae production.
My recommendation would be to purchase an RO
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I use Instant Ocean salt that I bought a 200 gallon box for $50. You can also get 160 gallon's worth of salt in a 5 gallon bucket for about the same size.
If you do go reef, I would recommend the Reef Crystals version of IO's salt - has the good trace elements that the corals need to thrive.
As for the FOWLR
vs. Reef - I started FOWLR
and within (1) month there was some polyps and filter feeders growing on the rocks. Just a few, but it was enough to start watching youtube vids of reefs, and I was hooked. Now I'm full reef and loving it!
For me, having a reef takes the pressure of having so many fish and trying to find the centerpiece fish, because the focus is really on the reef itself.
Long story short - You like fish - go FOWLR
, if you like looking at corals all day - go reef.