Yea I'm not using my return pumps for flow in the tank I have one of the jebao CP 150. And if I need or want more I will add I know there we've maker. Even with head loss you will still be 5 x turnover. As long as you have the returns Breaking the surface tension of the water that is perfect unless it is saltwater.Looks like youve got a good grip on it. I've done sumps with a single pump before and always worked fine. Consider running two pumps or even two sumps for redundancy and efficiency if you find yourself having trouble with flow or pump reliability.
Im gonna be running two jebao 10000 on my new 400g build which are about equivalent to your 20000. Everybodys telling me my rig is underpowered lol.