There's more media baskets with 2- XP3's (6 total) than with 1- XP4 (4 total) -which in turn, makes for more filtration on the 2 units versus the 1 on top of the additional water movement/flow around the tank. I would still do the 2 units versus the 1 unit even with the powerhead. I did the 100 gallon before, and it was similar to the 125- just too long to get the water to move around and circulate good. The other thought, buy just 1 XP3, now, and use it and the HOB you currently have (on the opposite side of the tank), and later when you can afford it, get a second XP3 to replace the HOB.
As to the powerhead, we are using a powersweep 226 on the 125 gallon tank, not sure what the gph is on it (couldn't find the rating, I'm at work, and the box is at the house), but it's the second biggest of the power sweeps and we have the sponge attachment on it so it won't suck anything up. We're using the powersweep 214 on the 75 gallon tank. you can see them here:
Power Sweep We have been really pleased with this set up for the CO2-misting effect. We have more growth & pearling on the plants than we ever did with any other method. We did have to play with positioning the powerhead in the optimum place to get the best misting effect. Both are centered on the back wall, but the 125 has it a bit higher, but banking off the front glass, and the 75 has it midway down, banking off the driftwood/front glass.
Hope that helps...
Jackie