Well, when it comes to LED lighting, there is coverage and there is "coverage". If you look at the AI light distribution from a Prime, while it goes out to 24" those outer areas are actually quite dim. Compare that to the Hydra 26 and you can see it does about the same thing, but the hydra puts out a lot more light. Manufacturers tend to overstate the performance of their products quite a bit. In short, a Prime is not going to come close to a Hydra 26, but the Prime costs a lot less.
When you deal with LED pendant lighting like this, you can reasonably expect to get about 18 to 24 inches of coverage per fixture. Personally, I think 24 inches is stretching it a bit but doable.
Ideally, on a 48" tank 3 fixtures would be better, but it's a question of cost. A Hydra retails for about $350. If you did nothing else, that would add $350 to the total price. When you sell an all in one package, you need to put together a good all around package and at the same time keep it at a marketable price level. In other words, it's always going to be a compromise between performance and price.
Just to give you an idea of haw far you can go, on my 125 gal reef, I have 4 Hydra 52 fixtures on it, Fantastic light, but I still hate to think about what I paid for them.
This all comes down to what do you want to keep in the tank and how fussy you are about the lighting.