I'd keep the light about 18"--2' off the water, but the spread will come from what type of reflector you choose. If you have the money, Lumenbrite 3's are one of the best reflectors you can buy. They have a pretty good spread, but on a 55gal, you'd most likely have to run some supplimental lighting to get all the way out to the edges. On the 55gal, the 2 175's would be much better, but on a 125 the 400watt's are still a bit of overkill. The difference between the wattages of MH lighting mostly effects depth penetration. 175watt penetrates up to about 18". 250 is up to 24", and 400 is about 32-36". Anything deeper would need 1000watt halides to get any type of lighting down to the bottom of the tank. If you could get the 2 175watt lights and then buy either a 250 or 175 as a 3rd light for when you upgrade to a 125