why not put them about six- eight inches off the water. you spent the money on the 250's why waste the light. by halving the distance from the bulb to the intended surface you quadruple the intensity. spider reflectors compare favorably to even a lumenarc III when measuring the par on a 3' x 3' foot surface at six inches, so most of the light should be directed down into the tank. if you raise the bulb up more, it becomes even more important to use a well designed reflector to focus all the light down into the water.
of course heat will be an issue, more radiation will be enter your water, but fans should be able counteract the heat transfer that's not in the form of radiant energy coming from the bulb, so water temp. shouldn't be a real issue.
as far as maintenance issues with this setup, you're at an advantage being the designer. as far as bulbs shattering from fish splash, there's at least two other people in the area that have them under 6" with no problems.