I have an 8 bulb fixture that has three on/off switches. Two switches control three bulbs, one controls two bulbs. This gives lots of options for creating a morning (two actinics & one AquaBlue 60/40) to dawn (add two AquaBlue 60/40 & one 10,000k) to noon (add one 6700k and one 10,000k) and then light go off in reverse for afternoon to twilight effect. The 6700k and 10,000k lamps are only on for a few hours in the middle of the day. The tank is pretty bright at that point but still pleasing to look at. I'm very pleased with the looks of my tank at each stage of the lighting sequence. It took a little trial and error until I could find the blub combination and lamp sequence I like best.
If you're not interested in doing the above, a four lamp fixture would probably be fine for what you described.