Some absolutely is better than none, and in fact there is no small number of sw tanks that start out with less than the 1lb/gallon and have more added later on. As to why 1lb/gallon, keep in mind
LR in your tank is serving several purposes...1) biological filter. The more surface area in your tank for beneficial bacterial to colonize the better. More rock = more surface area...you get the point. 2) Habitat for fish. Many fish need hiding places to retreat to in order to feel safe when they perceive a threat...such as when you stick your hand in the tank to perform maintenance...and many just like having a home cave/hiding spot to operate from even when there is no threat. More rockwork provides more possibilities for fish hideouts. 3) live rock is frequently a great source of supplemental nutrition for your fish. Algae grows on the live rock, some fish and many inverts eat algae. Copepod populations tend to thrive on the rock, some fish and inverts eat pods. Bottom line...live rock is good, and more is better than less. But if your resources dictate you start out with less, go for it. Just considering adding more down the road as you can.
Skimmers...yeah, you'll get what you pay for on that one. I personally use Coralife Superskimmers on both of my salt tanks, the smaller of which is a 29gallon. The CSS 65 is rated for 65, so you will get great results on a smaller tank, and will cost you around $100 if you shop around online. Sounds a lot, but if you compare that with other skimmers out there it is a good price. There are other good skimmers out there, but the only other one I have experience with is the Prizm Deluxe...skip it and spend just a touch more for the CSS.