My 400's are about 12" off the water. This works good for me because my hands are under the hood a lot while they are on. I dont feel like getting burnt by one, or worse splashing it.
JJ
BTW we have about the same setup and I have never needed a chiller. Granted the lights have not been on through summer yet but the room is temp controlled so I should be ok.
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ebosshard- thinking of putting the same lamp setup on my tank. 2 10k's with a 20k in the middle. Anyway you can hook up some pics so I can see what yours looks like? Also, how big is your tank?