Don't get me wrong, I can certainly afford a PAR meter, I just don't want to spend $300 on something I don't really "need" (air quotes!).
You do make a good point, however, so I busted my ass and went into the other room to get my bulb boxes.
Once upon a time, Lowes sold "Bright Effects" compact fluorescent bulbs. These were available in 2700k, 4200k (if memory serves), and 6500k colors (I bought the 6500Ks of course). Unfortunately, they don't sell these anymore, which really sucks. I'm still using them, but when it comes time to replace them I'm not going to be able to get 18w 6500K bulbs. The Sylvania 6500Ks they sell now are twice as expensive (possibly more) and are only available in 13w and 23w varieties.
But I digress. I use dual-socket perfecto "incandescent" fixtures over my 10g tanks with coil-style Bright Effects 6500K bulbs - 2 per fixture. Over 2 of them I have 2x23w bulbs which are rated at 1600 lumens - 3200 lumens total. Over one I have 2x18w bulbs which are rated at 1100lumens - 2200 lumens total. Over my new 20g tank I'm using 3x13w Sylvania 6500K CFL bulbs in shop lights rated at 800 lumens each - 2400 lumens total.
In summary (L/g == Lumens per gallon):
2x10g tanks with 320L/g
1x10g tank with 220L/g
1x20g tank with 120L/g (low light by anyone's classification)
All 6500K
You're right about one thing - the lumens/w ratio changes with higher light output, a big nail in the wpg coffin. The 23w bulbs are at about 70L/w, while the 18w and 13w bulbs are at about 61L/w. Something about the bigger bulbs makes them slightly more efficient, it seems.
To bring this post back on topic - I currently have red root floater, frogbit, water lettuce (all floating plants) in my 20g, along with a heaping portion of floating guppy grass that seems happy so far. And the big female endler in there finally popped, so I have little endlers enjoying the floating plants now.