Good points made by all -- thanks for the help. At this point, I think I'm just going to ask for the Fluval 404. I know it can be purchased locally, and I am hearing nothing but good things about them.
I won't worry about the UV
I'm still uncertain about the lighting. I may just go to one of my LFS
and see what they can tell me. I recall him trying to sell me a used fixture for $185 a month or so ago... I wasn't sure if it was a good deal or not, though. I'll get the specs for you guys so that you can give me your .02.