Right. If you're going to fill the whole 20 gallons with water anyway, then you've already reached the tipping point of size vs. work. For me, the point is a 10 gallon tank (which I can lift when 2/3 full of water). After that, the bigger you go, the EASIER it is to maintain. Note that I said maintain, not FUTZ WITH (that is different).
For example... On my 5 gallon tank, if I am late doing the weekly water change by a day or so, they start to look depressed. In my 29 gallon tank, I have accidentally missed a whole water change and if it weren't for the tannins making my water tea-colored I never would have known.
Put aside the amount of girls you could have in a 20, the more water you have cycling, the easier it is to keep the chemistry in balance. Also, if it's a 20 gallon high, (like 16 inches high and only 24 wide) and not a 20 long (30 in long and 12 high), I know from experience that trying to divide them makes it very difficult to move things around, since you are making a deep, narrow space. I wouldn't advise it.
Finally, you may find this site helpful.
http://www.aqadvisor.com