I don't mean to contradict anyone here, so take this for what it may be worth.
When I set up my tank the "norm" for tanks like mine (not custom made, but not AIO...just a normal setup w/sump) was to spend about 1/3 of your budget on the tank/stand, 1/3 on live rock/sand and the last 1/3 on gear. (This was before controllers, dosers and the whole "hi-tec" re-boom.) Stocking the tank was presumed to be done over a much longer timeframe, so wasn't a lump expenditure and wasn't included.
I definitely second
@HolisticBear's suggestion at getting (or piecing together) a used setup to begin with. Especially if you've never had an aquarium at all (not sure on this, just sayin).
You can form some
real opinions about a
real setup that
YOU actually run....before you spend any "real money". This is a Good Idea™.
Buying used won't make success any more of a sure thing, of course, and you may even decide that the used setup is junk – so don't assume anything.
But it does
save your wallet and
gets you some actual experience, which is
priceless. So it's all good.
That said, buying used isn't for everyone.
If that describes you, then building a standard system like mine (manufactured tanks, gear selected by me) isn't too hard and is still a good way to avoid paying the maximum price for a system. Also, typically the LFS has good options because they also use the gear they stock in their own tanks. This is easy to check, so ask; don't assume. (Knowing this helps you know how much stock to put into any recommendation you get from them.)
Using a Tunze Reefpack vs picking skimmers, reactors and ATO separately still gets you a lot of the "savings" of a standard system (vs AIO) but with ZERO COMPLEXITY and none of the added cost of the return pump, drain system, plumbing and multiple tanks, etc. It integrates the skimmer, filter reactor and ATO
into a unit smaller than most drain boxes. There are other benefits as well. The sacrifice is that you lose the extra space of the sump, which is more of a hypothetical advantage anyway since you have almost no gear to put in it thanks to the Reefpack. (Use any "leftover" money to "move your sump space into the display" by buying a little bigger display tank.)
2¢
