Hi everyone. I've been lurking for awhile, planning to take the plunge into a saltwater reef tank. I'd like to get a 90gal going but that's about as far as my decisionmaking has gone. What are some recommendations for the best and most flexible lighting, skimmer and filter options. Would a filter with live rock and live sand be overfiltration? What about a sump or refugium setup? I'd like to set a reasonable budget and work off of the most options but I don't know all of them. I realize this is a pretty broad question but any help would be great. Thanks!