My vote is for the fuge. Never had a wet/dry system, but I think they can become nitrate factories after a while. Go for the sump with rock rubble IMO
. You going with fish only or reef and fish?
You got room for either the tall or wide tanks? The, I'd guess it's just a matter of preference. Not sure if a maxi-jet will give you the turnover you might want/need. I believe most (for reef tanks) shoot for about 10x the turnover. That is, considering head loss from the pump below having to travel upwards, the pump should be able to pump about 460 gph
(46g x 10) into the main tank.
I think I got that right.
Welcome to AA by the way.