I have no idea on the initial setup. I bought a lot of used or cheaper gear.
Funny, but I said let's do a smaller tank. (been in the hobby since 90's) and the wife said bigger.
So, now, I upgrade and upgrade and upgrade. I try to keep the hardware to 1k yearly not including birthday or Christmas gifts that I tell her I want.
When we do finely buy a new smaller house with the finished basement she knows a bigger tank is going on also with a fish room. Currently it's a 75 but moving up to a 125~180.