I completely understand how you feel but this statement is a contradiction. The best way I have found to save cash and buy semi top of the line would be to surf the for sale forums on RC and here... Either way if you want the best your gonna have to pay for it...
For the skimmer you really don't need a recerc model, many people have successful reef setups that don't use them. So with that said if you tight on cash you really don't have to only look at those models, for example a Euro-Reef RS80 skimmer used will run you about $180 on average on RC and they are a great skimmer with a small foot print. The retro T-5 lighting I would go with TEK only because you can get a great deal on them from a very awesome WAMAS member, and they are a great light to boot. As for the main return pump I have had great success with the Mag series pumps and used silicone to make them run quiet. The rest would be trial and error your your particular setup but I'm sure finding the right setup for a fuge or wave making won't be that difficult. Just my $.02