i just bought a 14w daylight 5500k compact fluorescent bulb for my 10g. the light seems too bright, so i subdued it with 2 folds of paper towel taped underneath the hood.
will the towel catch fire eventually? the bulb seems to give off some heat.
Yes, I would imagine the towel will catch fire. It is safe to use the bulb you have as long as the wattage of the bulb does not exceed the wattage of the ballast. Most of those hoods you describe are intended for 15w bulbs so you should be fine!