Well the best advice is to know what you want going in. If you don't want to take care of live coral then any stock light will do. If you plan on having coral, you'll want to make sure your lights are good enough to keep them alive. T5's are popular and the best option price wise. LED
's are great but a bit pricey still.
Second, how many fish? Fish eat and poop and this creates waste. The more fish the better the filter. If you just want rock and say 2 clowns a hang of back filter like the ones that come with aquarium kits will do. Lets say you want 2 clowns, a cardinal, a blenny and a cleaner shrimp. Now you have 5 fish eating and pooping. This will build up nitrates quick if you don't remove the waste. Nitrates cause algae and are not too healthy for the fish. If you're going with the more fish you'll need a skimmer. You can buy a good hang on skimmer for about $200.
That second picture you posted is a fake insert. It may be what you're looking for because nothing is alive therefore nothing can die. If you put a couple of clowns in that tank your standard filtration and lights would be perfect.
I'm just putting this out there cause I learned the hard way. I went cheap at first and tried to cheat. Like I had crappy lights and bought some coral to try out, figured they would be ok. They started dying and I felt bad so I upgraded my lights. Ended up costing me more in the end cause I basically bought lights twice. Same with my filter. I had the basic sponge and charcole filter. Worked fine until I added more fish then my nitrates were through the roof. I either had to remove fish or increase the filtration. So I bought a skimmer. In the end I had a box of useless equipment and a tank with a bunch of upgrades...lol