I'll say it again, you've been warned..IF you are not going the co2 route (and no NOT DIY) you want to stay away from HO unless the light is raised a couple of inches from the top and according to your post "The wife has already said no hanging fixtures" thats not an option.
It appears you can probably get away with a SINGLE t5ho bulb on top of the tank, which will give you low light.
Look here at the Diagram....
http://www.monsterfishkeepers.com/forums/showthread.php?73446-Lighting-a-Planted-Tank/page5
Go by this diagram to determine plants needs. Are you wanting more light dependant plants? easy plants? Medium Plants. This the determining factor when it comes to lighting. You could end up buying a unit which produces more lighting than your plants can use and then WELL the algae will use the rest.
It appears you can probably get away with a SINGLE t5ho bulb on top of the tank, which will give you low light.
Look here at the Diagram....
http://www.monsterfishkeepers.com/forums/showthread.php?73446-Lighting-a-Planted-Tank/page5
Go by this diagram to determine plants needs. Are you wanting more light dependant plants? easy plants? Medium Plants. This the determining factor when it comes to lighting. You could end up buying a unit which produces more lighting than your plants can use and then WELL the algae will use the rest.