It really depends on what kind of corals you want to keep. One mistake I see a lot is folks thinking all they'll ever want to keep is soft corals that have low light requirements. Then, later, they want to try some SPS
or maybe an anemone and have to buy a whole new lighting setup because the first one isn't intense enough. This is, in effect, spending money twice for lights. For not a lot more than you quoted, you could light this tank with MH
and electronic ballasts. Then you would be in a position to keep whatever you wanted in the future. I'm not telling you that's what you have to have, but only that you need to really think about what kind of tank you want to have in the end. I wouldn't use the Smartlites either...I have a couple of them and I'm not too impressed with them. I would go with no less than a 4x65w and 6x65 would be better. You can DIY
this setup if you have a canopy for less money.
As far as a skimmer for under $100, there isn't one. The smallest HOB
skimmer I would suggest for this size tank is the Aqua C Remora Pro with a Mag 3 pump. This will cost you about $225. Or, you could probably go with a Berlin Classic HOB
for close to the same price. The Berlin will require more room behind the tank though. You'll probably run across the Prizm and the Seaclone for less than $100. Don't waste your money...you'll end up having to upgrade later and you'll be stuck with a inferior skimmer that you can't use. The Prizm Pro would be an option, but IMO
, the Aqua C is a much better skimmer.