It's not necessarily based on how many plants you can have before needing CO2, it's based on light.
More light means the CO2 demand increases and with that, so will nutrients. Lots of light without CO2 and nutrients will gave you big algae headaches because the plants can't grow (lack of CO2 and nutrients is limiting their growth).
39W of t5 over your tank would let you get away without adding CO2.