I'll second the vote for gobies, they are very cute to watch, and also jawfish can be a riot, especially if you have 2 of them as they will steal each other's decorations! I saw this in one of the LFS' and it was very, very funny......first one would dodge out and grab a shell or a piece of rubble from the other one's entrance, place it around his own, then the other one would dart out and grab it back.....I would love to have some, but that would mean starting up another tank.....
As far as the clownfish, none of the species actually NEEDS an anemone. They will host with a variety of other things and be completely happy. My own clown has hosted with a powerhead, large mushrooms, a featherduster too......right now she is having fun with some ricordia mushrooms. Even if you did get an anemone, there is no guarantee that the fish will host with it anyway.
About the lighting.....well, yes, you could do that, (I've done something like that myself) but the main problem with it is the depth of the tank. Regular fluorescent lighting just can't penetrate to the bottom of a deep tank. Not only that, but you will have a hard time getting enough lights over the tank to equal the amount of PC's or VHO's, and there is no way you can match the amount of a couple of MH's. A standard regular 4' tube is 40 watts. In order to have around 4 watts per gallon (and that's considered low lighting levels!!), you would need 6 tubes. Now imagine trying to fit that over your tank! What you would need with regular lighting, you could do with 2 PC's of 110 watts each. Or 3 VHO's of 75 watts each.......and again, regular bulbs aren't going to penetrate the water very well. Not to say that there aren't any ways around this though.....but you will be extremely limited. What you can do, is to pile your rockwork up high, and place corals with low lighting needs close to the surface of the water. Things like mushroom corals, button polyps and such should be okay. What you can do for the bottom of the tank is to get corals and inverts that don't require any special lighting at all, like the various sun corals (they come in several color varieties) or inverts like featherdusters. Be warned that sun corals need regular feedings though......
Over my own 55g I have a light fixture that I bought at Home Depot. It's a double fluorescent strip 4' long that cost around $16. I put a couple of Coralife 10,000K lights in it, and it does fine for my needs. BUT, my tank is mostly fish only....the only corals are some mushrooms that were attached to a large rock. They are positioned up on the rockwork, maybe about 6" from the waters surface. Even though they are doing okay, I sure wouldn't try and put anything that needs alot of light in this tank without upgrading the lighting first.
If you are wanting to have some really cool corals, what I would do at this point is make sure you pick out fish that will be fine with all the various corals, get yourself used to keeping saltwater, and instead of trying to put more regular lights over the tank, I would save my money and get some good lighting. Once you have the lights, then I would go out and start buying some corals. You will save yourself alot of time and frustration in the long run by getting good lighting before you buy any corals. I know what it's like to be on a budget, and sometimes it can be hard to wait, but patience has it's virtue, especially in this hobby!
HTH