This really is a personal choice. The only thing to consider is the actual amount of time to have them on. My light schedule is as follows:
9:30 AM - Actinics ON (sump 6500K off)
10:30 AM - 10kK ON
8:30 PM - 10kK OFF
9:30 PM - Actinics OFF (sump 6500K on)
I don't think I can explain Daylight Savings Time to the tank, so I may change this by an hour when the time changes.
The sump lights illuminate the stand and the back of the display at night. If I get moon lights, they will be on during this time as well (actually I could leave them always on, and it will make no difference).