Welcome. My recommendation would be, that if you plan to eventually become a reef, base all decisions off of what your desired endpoint is, and not what your short term goals are. You're off to a good start with a refugium and sump, but there will be other pieces to the puzzle that will help you build a successful reef. In my experience, if you can master these before you heavily stock your tank with corals, you'll have many less headaches in the long run.