yeah, it all comes down to what you want to keep,and more importantly
what you can afford to keep, both money and time wise.
I currently have a 55 gal. that has been problem free for over four years,
with minimal equipment. although some may disagree, live rock is not a
neccessity for a fish-only tank.the same goes for a protein skimmer.dont
get me wrong, the benefits are great,I just want to point out that if you want
to start out light, you certainly can.my tank has 2 aqua-clear 500's, which
are simple hang on filters(the main filter media is sponge,which allows for
a very good bacterial growth,a powerhead for water movement,a heater,
and aragonite for substrate.a system like this does require a more dilligent
maintenance routine,and less time between water changes.
the best thing for you to do while deciding is to read as much as you can,
and keep asking questions on this site, as opinions may differ,they all are
insightive and knowledgable.
hope this helps!