Krish only you can decide what road you want to go down, you don't have to have SPS, there are many many BEAUTIFUL!!! soft coral tanks with hard corals like Montipora that can live under PC lighting, plus not to mention all the LPS like hammers and frog spawn and bubbles that do great under PC lighting, so don't be bummed out. There is alot more to this hobby then just SPS. Personally I like the fish most of all, that is what I have kept most of the time along with a few soft and lps. It is really entertaining to see alot of movement in the tank fron the soft corals and fish. With the back removed off the stand and a simplier fan set up and some PC or T5 lighting you can get pretty dramatic lighting in a 75. I would be lying if I said a chiller well be the end of spending, there are always issues that arise that need dealing with, equipment failures or upgrades, or new techniques that require new diff equip. Plus it can get quite time demanding as you have found out. All of this is true because this is one hobby where things don't stay the same for long, ie- tank conditions, knowledge, advancements, so on and so on. It takes alot of committment, but is very rewarding. Well I well get off my soapbox and luck in what you decide, personally living where you do I think I would settle on cooler lighting and what that well support and step out in your back yard to see the SPS's.