I know some triple light set-ups have different lights that put out different light waves ... it is to help the plants grow and thrive through its different phases. Some plants need different sections of the spectrum, some need different sections for initial growth, normal life, and blossoming times.
Other than that, the rest is for owner enjoyment ... being able to see your fish clearly, especially if there is a lot of color (SA Cichlids, SW tanks, Bettas, and guppies come to mind). Though more lighting from the side, not the top seems to work best (at least for pictures in my experience).
If you don't have live plants, you don't need a lot of light to see in the tank, and you have light sensitive fish, I would say those extra lights won't serve you much use, unless the light you like blows out, then you still have lighting until you can pick up another bulb
Oh, one thing I just remembered, at least one of the Hikari cichlid foods (Bio-Gold+), claims it is a formula for better color in fish that don't receive UV rays, so if the light puts out UV, it may help promote better coloration in fish if I understand their claim properly. It seems there are a lots of factors that influence coloration, I wouldn't be surprised if there was more