If you're doing fish only, the only light you need is for your own viewing pleasure.
For color temperature, I'd suggest 10k bulbs, looks nice a crisp white. You may want to add an actinic bulb for fish fluorescence though.
Temperature I'd keep in the 78-80 range.
55g reef, 2x250W 10k MH
+ 2x96W PC
actninc, 10g sump, AquaC Urchin skimmer, 65lbs LR
xenia, mushrooms, wels. open brain, fungia radiata (orange), green eyed zoos
flame angel, mated pair of false perc, 6-line, firefish
20gH electric yellow cichlid