4 bulbs would be min. for a nem. Prob. best to put the anemone in the middle-top. You can have a lot more soft corals if not all b/c they require low-medium lighting. You can keep some LPS
too. One of my LFS
has way cheaper corals than online, mostly b/c they are small frags. I rather many small cheap frags and grow them out then have a few larger more expensive pieces. The other LFS
have about the same if not higher coral prices, but all same or lower than online prices for fish. LA can be really expensive b/c of the quality of their product. For example, they sell their McCoskers wrasse for $45 and my LFS
sells theirs at about $30.