Lets get this straight - a sump is another tank plumbed into the main display as somewhere you can keep unsightly equipment like skimmers, heaters, filter bits or whatever.
A refugium is a piece of connected water that is physically separated from the main display so you can grow things that would be eaten in the main display. Typically peole treat their regium as their sump if it's below, but I have seen and dome refugiums insidethe tank , like hiding porous pondpart pots of live rock to act as pod farms.
Wetdrys are not a good idea for most home systems as they do a killer job of oxidising ammonia, but you end up with nitrate hassles. Like most people I have holes drilled in the side of my main display. Water flows out through these and down to my sump/refugium. In that, a 20 long tank, it first goes thro my skimmer compartment - it is worth buying a reputable skimmer with a reputation for performing - avoid seaclones, prisms and so on. After that it passes in to a chamber that is acting in effect as a refugium - I have bed of mud and very fine sand, and grow algae in there on a reverse time cycle, so it photosynthesises at night to help keep pH up. After that over 2 more baffles and into a chamber with a return pump, where the heater also lives.
Nice and simple. As a note, as I have an overflow on the main tank, the effects of evaporation appear on the sump, so I have an autotopup attached to it there. This returns into the final compartment