I could be wrong but from what I'm reading, it sounds like you have limited saltwater experience???
If so, IMO, getting your feet wet, so to speak, with a FO/FOWLR, would be great for at least a few months.
If in the FOWLR, you keep reef fish as you planned, then once you've got a good handle on the cost of maintaining the FOWLR, you can then determine if you can make the upgrade to reef...
Everyone has definitely offered some sound advice!!
And remember..... PATIENCE.
If so, IMO, getting your feet wet, so to speak, with a FO/FOWLR, would be great for at least a few months.
If in the FOWLR, you keep reef fish as you planned, then once you've got a good handle on the cost of maintaining the FOWLR, you can then determine if you can make the upgrade to reef...
Everyone has definitely offered some sound advice!!
And remember..... PATIENCE.