FOWLR means "Fish Only With Live Rock"
As the name implies, the main emphasis is on the fish, instead of the corals and other invertebrates that are found in reef tanks.
If you are leaning towards the FOWLR, your 3 flourescents should suffice. I would probably go with 2 x 10,000K and 1 x Actinic. Another good choice would be the so-called Actinic White or Coralife 50/50.
If you want to go reef, you would need at least 2 x 250 watt metal halides. 6-7 wpg is a good target.
As much as I like this website, I encourage anyone who is interested in getting salty check out some of the forums that deal with this subject in more depth. Click on the
Aquarank Button, vote for this site and then check out some of the saltwater or reef specific sites.
I haven't really kept up with the advances that have been made in saltwater for quite some time. I used to have a 75 gallon fish only and a 20 gallon reef. I occasionally check in this forum to see if I can be of any help.