apologies if this has been discussed but I did searches and could not find. I am upgrading my FOWLR to reef and need to purchase lighting. Trying to decide between a sit on top lighting fixture (eg Coralife Aqualight or JBL Formosa) vs a retrofit kit inside a hood. I do not currently have a hood but could build one easily. Are there advantages to a retofit kit? Other advantages of a hood? Thanx in advance for any advice.