Well, i might not be able to rush out and buy a bunch of stuff, but i can stock up on it over time. Buying two new heaters, two new return pumps, a generator, an mp40 and keeping the other powerheads as backup. I have plenty of extra salt and a 20g capacity to mix new.
Its not really that i cant afford it. I just havent bought everythin just yet. Im used to lps and softie tanks and just getting into sps in a major way. Just takes time accumulating stuff. Yah know?
Well, personally speaking, I don't find it necessary to have 2 of everything, though that's what some folks do. What I do instead is to make sure that I have a backup of things that I can't buy locally. If, for example, my return pump on one of my tanks suddenly goes toes-up, I've already scoped out my local fish stores so that I know I can get a pump that will work.
Here's one thought that might save you a good deal of cash: If you live in a suburb or city where power outages are fairly infrequent and don't last long, then back-up batteries and an inverter can be substituted for a generator. You can buy an all-in-one inverter/trickle charger from a company like West Marine, and hook it up to a trolling motor battery. A trolling motor battery can be had pretty cheaply, and has sufficient power to run a reasonably efficient powerhead for a week or more. Assuming that you will know that you're out of power, you can also hook up a return pump, a heater and even LED lights at low power and run them intermittently.
This strategy has saved my bacon on more than one occasion. I do have a generator, but it is a gasoline-powered unit that I have to hook up manually. So the vast majority of power outages are dealt with by the battery/inverter method.
By the way - if your house is kept at 74 deg F or below continuously, 82 degrees plus for your tank sounds awfully high. I would only expect such a temperature differential from a tank with a full hood that is running metal halides. My guess is that you've already found the cause - a submersible pump that is cycling is kicking out its internal thermal overload (in other words, it's getting really hot). That, and the incandescent refugium lights are probably at least 5 degrees F of the temperature differential between your tank's temp and the surrounding air.
Finally, you might wish to take apart your Mag pump to see if it can be rescued. Sometimes these units will build up a layer of calcium on the rotor or the shaft that the rotor rides on. The additional resistance heats the motor, and causes it to fail or cycle. That can often be fixed by giving the pump a 100% vinegar bath for a few hours and carefully cleaning the rotor, the shaft, and the rotor well in the pump body.