#1 I would go with a lower K tube since 18000K has very little color other then blue so the plants are probably not getting everything they need. 6500K or 5500K would be pretty good since that is the color of the sun and what most freshwater plants need.
Edit...I can explain this more if wanted since I have done quite a bit of research on it and studied light and waves in school(physics deg).
#2 Are you willing to do a
DIY hood/lighting canopy? That would be the cheapest and nicest if you put in the time and effort. CFL bulbs would be the bulb type I would use also for those since you would not need to worry about external ballasts and they are cheap too. 5500 or 6500K on this too.