There will be a difference in the electric bill over 1 year. My T5 uses 96w, just blue lights, love the thing. Even used to have one too, sold it to a buddy, then slapped myself on the forehead and bought another
If you want tall veg plants, and want to shave off 3 weeks get a 400w in a veg tent...
I'd rather take a bit longer with a T5 to be honest! Costs virtually nothing to buy, maintain and run. Just use a T5, takes longer, train the plants so they have lots of tops. Like these.. Then you'll be getting the best out of the T5. These plants were not grown under T5, but still... they are the same style I would grow them under the T5. Short with lots of tops.
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Once you start adding more lights the electric bill soon creeps up to ridiculous.
If you are getting a metal halide. Seriously consider this lamp... Sunmaster 250w 6500k metal halide. I use it in my veg tent. I'm currently using my T5 for cloning which is assisting them in rooting within 5 days.
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If you can fit more in, also consider they do 2ft 2 tube 48w T5's that can be used for side lighting alongside the other T5. You can always fit them in no matter what.