For your 48x30 tank, you are right, a halide will work best for that application. You could hang T5's off the surface, but I think the reflection from the water would make it hard to see in.
As for the frag tanks, I like the GE6.5K bulb for growth, though I hear the geismann mid day bulb has even better par. The second bulb could be a Geismann Aquablue plus, which is a "crisp" white, remember the "actinic white" VHO bulb? It looks like that to me. OR, if you want more blue, the Actinic Plus bulb is very blue, and has a LOT of par for a blue bulb. (Almost as much as the GE bulb.)
As for the frag tanks, I like the GE6.5K bulb for growth, though I hear the geismann mid day bulb has even better par. The second bulb could be a Geismann Aquablue plus, which is a "crisp" white, remember the "actinic white" VHO bulb? It looks like that to me. OR, if you want more blue, the Actinic Plus bulb is very blue, and has a LOT of par for a blue bulb. (Almost as much as the GE bulb.)