While it depends on your locaiton and as such humidity and ambient temperatures, something like a 250w hps should need minimal to no active cooling at all. I have seen plenty of grows with them just hung in tents with a basic reflector and nothing else. As i say, your ambient temperatures will of course play a role, but it's only really with the larger HIDs that you have to start thinking about big air cooled hoods or cooltubes and big extractor fans etc.
Cooling your grow room or cab is typically one of these things which you can plan on paper in advance but will often find you need to tweak or change out bits and pieces as you go. Very hard to get a grow room spot on first time without prior experience with the products being used etc. Growing is a learning urve, don't be afraid about buying a product and finding it's not quite suitable etc, we all do it.