Meh...this is all really hard stuff to answer.
There is science to it...but it is largely vague and complicated.
You really need a PAR meter, and a lot of spare time to come up with concrete answers, and even so, some people will tell you that you will require different PAR values than others. The rest of this, at least in my case, is something that just comes from experience, and it is somewhat of an art balancing your lighting, and doing it in a matter that keeps all your inhabitants happy and growing. (I am still learning, and about to find out if I have enough penetration on my 125g reef.)
A 400w'er would most likely be too much. The fact that it is a 250w/400w almost makes me wonder if this is a HPS system...you will find this often. Some people use them on aquaria because they buy them from greenhouse supply stores, and they are cheaper, but not recommended really for aquaria. Make sure you find out when you go take a look.
By gallonage, I think what he is saying is that you need to consider the spread, as well as the penetration of the light in a tank.