The first model with 6 - T8 looks fine to me. I saw it at Home's depot myself. Each tube has his own reflector, the tubes are well spaced from each other, and the reflectors look well made. Never tried it myself though, but would consider it if going for a tall tank like 4 X 2 foot, which could happen some day.
I have recently been trying a dual light like the ones from home depot for the workshop. I had two in my garage and put two ZooMed plant gro T8 bulbs in it. This is in a 75 gl tank. It seems to working quite well so far, but I know im going to need another one.
The lights I had have no reflector on them they are finished in white, so what I did yesterday was, I went and bought a roll of aluminum duct tape and put strips of it to cover the entire area up and around the bulbs. It looks to create quite a good reflection and looks almost the same as the reflectors on most aquarium lights.