Don't go for the T-5s. Don't sell yourself short. Buy the one with HQI. You won't regret it. It will give you more choices. For $50 extra, it's so worth.
With that said, you may need to consider
DIY-ing an extra fan in there or something. Or else, you may end up with an aquarium stew. Or, you can get a chiller. To Keep It Simple Sir, you may stick with PCs and worry less of temp fluctuations.
I have an Orbit. I like it. 4x65 W actinic/sunpaq daylights with white moon lights. magnificent. I like Orbit. The setup is really quality made.
Yes, I know that I will be limited to what types of animals I can put in there. However, I know for a fact that I am not going beyond
shrooms, bubble corals, and leather and polyps. I am not for intricate setups with intricate animals. Just enough to keep me busy and relaxed at the same time.
So: 4x96 is decent. It wouldn't have too much temp problems. But you are limited to animals you can house. HQI's, you can have anemone,
SPS,
LPS, and gorgonias and stuff. You can either choose the KISS route or the "I want choices" route. The choices come with extra responsibilities and possible extra required gadgets too. Good luck!