As mentioned above, the K rating of a light is not additive. While it is alot more complicated than this, the simple explanation is the K number of a light just refers to what shade of white a light is. The higher the number, the bluer the light is. 6500k + 6500k equaling 13000k would be akin to saying yellow + yellow equals blue. Just doesnt work that way.
As far as non-reef specific blue lighting being the correct shade? Can't really answer that. It just depends on the spread, intensity, and specific wavelength of blue. Just about any shade of blue is usable by corals to varying degrees. Most reef specific blue lights are just using off the shelf hardware pieced together by a larger manufacturer anyway.
Fancy reef lights are expensive due to economies of scale. The numbers they move just arent large enough to drive down costs to commercial lighting levels. That and small scale software writing on reef light levels are also very expensive. You have a handful of people working this out for these lights to sell thousands of units, rather than thousands of people working on selling millions of units. It drives the prices up on individual units when production levels are so small, relatively speaking.
If you combine red green blue purple orange white together you just get white, not sunlight. Sunlight contains wavelengths down in the UVC range all the way well past the infrared range. There is no product available to general consumers in the world of LEDs that fully mimics sunlight (most reefers wouldn't like how that looks anyway, everyone is blue obsessed). Closest you can get is LEP (plasma), which is used sparingly by very few people with mixed results.