#1 - If you plan things up front, and take the time to research before doing, you won't have everything die. Well... maybe a few things, but not everything!
#2 - The tank and stand are the cheapest aspect of the whole setup, in the long run.
Really... they are.
By the time you get a protein skimmer in there, live rock (even just base rock), and lighting, you're easily going to be in over a grand, including the tank.
If you want it to work, you can do a SW
tank... no problem. But if you're tight on money, just be aware of the total cost before taking the plunge.