If I was going to use the 96w lights, I'd stagger them alternately...one all the way to the left, one all the way to the right, next to the left, ect... Maybe you could get them to send you an extra reflector? Then you could cut it down to fit.
On a 48" tank, it works out better to use either 55/65w
PC's or
VHO's. Be warned though that if your hood measures 48", the 48"
VHO's will not fit...you'll have to get the 46.5" tubes. A 4x48
VHO would net you 440 watts while a 6x55 would get you 330w.