Hey welcome back,
first off if i were you i would just go with the nevo 20 so you have some room to grow also in my experience it was easier to keep the parameters stable in a 20 vs my 10. A 10 is super small after you get your rock in and a fish, i went with the 10 for my desk i had to upgrade a 9 moths later now i use the 10 as a quarantine tank.
as for the lights unless your going to be growing a lot of corals the light that comes with it is nice i have the stock light on the 20 my buddy refuses to use the stock light he bought Radion XR15 and the rmb a and he loves it he has some awsome sps coarls in his but be warned it is a $250-350 set to add for a tank (the whole ready to use nevo set is $499 when i bought it) its an awesome light and you can use it for anything you want since you can change the spectrum and colors with the app
hope i was helpful good luck with what ever you chose