It all depends on what you plan on keeping. If you are going to be FO
(fish only or fish only with live rock) then any lighting will do. Lighting becomes more important as you move into some species of the invertebrates (anemones for example) and a flat our requirement for coral. Keep in mind you can always start at FO
and move up to the others and upgrade your lighting then.
You do not need to spend a small fortune to have a SW
tank. You can and if you stay in the hobby long enough will....