4 T5's over a softie tank sounds fine. You may think about raising your rock work to make them happier since your tank is semi deep. You could keep the bottom open for non-photos like sun coral.

There is much debate about if and what actinics do for coral. I have read everything from "just for looks" to " that's what they are most dependent on". Personally, I take a middle ground since I witness my coral responding to the light when I turn on actinics.

Again, there will be plenty more people that (hopefully) will come along and give you more accurate answers to your lightning questions.