I recently went through the same thing. At one time I had over 20 tanks. I have slimmed down now to 1 8 foot 240, a 125, 75 thats empty, and a biocube. I have to agree that saltwater reefs are the major leagues when it comes to fish keeping. I also feel that salt is much more expensive, but its worth it. Dont get me wrong, I have about 3K wrapped up in my frontosa tank as well. In salt its like each fish has its job to do. I really like the mindset that comes with salt community tanks. You are designing a total eco system. I love Frontosa, but it honestly gets old watching them. I have watched my little saltwater tank more in the last few weeks then I have my 240 over this last year. If I were you I would go with a cool community setup. I think a 100 gallon is about perfect for salt. I would definately start fish with live rock. Slowly add the rock until you can get it ready as a reef. If you have Lace rock you can even put that in their with live rock, so that it can turn live. That would save you a ton of money and chances are that you probably already have some pieces since you have been in the hobby for years. GL