Not sure if you're still setting up a 10 gal. or not, as I actually didn't notice this forum for months now (I know, I KNOW![img]http://www.**********.com/iB_html/non-cgi/emoticons/wink.gif[/img], but another option if you're wanting to keep costs down is a seahorse tank. Suprisingly, seahorses do WONDERFULLY in small tanks. I've kept them in as small as a 2 1/2 gal. tank before and they lived there for well over 2 years before I sold the setup to a friend where they are still doing well as far as I know. The advantages are you don't have to worry about quite so many factors like light.
Also, forget protein skimmers. Especially if you're using a smaller tank, you'll be changing the water out anyhow. I have never, ever used a protein skimmer in my tank. It does require an adjustment in your care, but by leaving in the impurities, you can actually benefit your tank if you do it right...not to mention saving yourself a few hundred dollars.