I look at lighting in several ways as it seems to be one of the first things mentioned when somebody starts the game.
For starting, I was raising fish and only got around to plants when a fellow gave me a handful from a tank when I bought some fish. It was certainly not a place where I was going to go out and buy a bunch of stuff for lighting as I was not totally sure I would ever raise any plants. Just not my thing and I was mostly interested in making the fish and tanks look more natural.
So I rigged up a few bulb holders from construction sockets and added CFL bulbs to lay on the glass tops! At the time the total was something like $10-15 for the total of four bulbs but it worked well enough to get me interested! Perhaps not great but it certainly worked well enough to suit what I wanted!
The biggest part of my package was to go for 6500K CFL bulbs as they were all the "new" thing at the time, even though the price for a light bulb was considered quite high at almost tow dollars a bulb!
Now I find them hard to find at any price as LED is the "new thing" of the moment.
I find lighting is talked as such a high priority for a couple reasons and none of them involve you saving money. One reason for lighting to be talked so much is that most of us do not have the equipment to really know what a bulb does for us, so we really have to go with what the "experts" tell us and those are also the folks who just happen to sell the really expensive stuff. So them telling you that it really matters that you have expensive lights also tends to fit right in with their making a better profit!