It would depend on your depth of tank and what's in the tank?
Reef tanks need lights with a large frequency range and high lumens
Planted freshwater needs a good range higher lumens will give you brighter greens but will also increase algae growth rate plants grow best with both red range and blue range lamps
Fish only tanks look best with a slightly blue to purple light range and too much lumens of white can give you a glaring effect
Depending on what you want the lights to do impacts what you will need to buy or spend.
For the tank I'm building, a plywood tank, I wanted to go the pendant route with sunrise/sunset capabilities, so I bought a bunch of the Radion XR15FW. They aren't cheap, but they are very capable and very cool.
I have 2, 48" Finnex 24/7s on my tank and absolutely love them. Not the cheapest route but great coverage at 30+ inches deep with lots of customization.