..well first off, you have to do whats right for you, that said, here is my take on things...
I raise, breed , show and sell quarter horses. My policy has always been to have 5-6 of the VERY BEST horses I can afford to purchase and keep. It costs the same to feed a good one as it does a junk horse. They eat the same, crap the same, take the same training etc.
Yes I could have a herd of 25 that I have to buy feed for, are marginally bred, not trained and essentially worthless, or I could have a couple High caliber show horses to buy feed for. I pick the latter.
how does that translate to aquariums? It seems many folks who are baling ( literally and figuratively) have big systems. I have a 55. Id rather have the BEST 55 gal I can afford to maintain, with the BEST livestock I can afford to purchase, than have the stress of a tank I can not keep up with.
Ive had this salt tank, 4 and a half years or so. NO SKIMMER, NO SUMP, NO FUGE. I use live rock and live sand and water changes.
I just to water changes, and have the mixed water in a tub in my basement. The hardest part is carrying the 5 gal pail up the stairs LOL
no stress, no mess, total enjoyment. AND VERY COST EFFECTIVE.
no, I cant brag about all the latest up dates, super cool equipment, awesome sumps and skimmers that could fly the space shuttle.
But I like my little tank, my fish, corals...everything. it is total joy. no worries.