The 10,000K bulb is a pure white. The 20,000K has a lot more blue color to it. They also make bulbs inbetween the two (13,000K and 14,000K most commonly) if you feel the 20K is too blue. I have even seen a 50,000K bulb...which is REALLY blue. Meant for deep water creatures where only blue light naturally gets to.
How blue you want your tank is personal preference. It really does not matter much to the life in your tank as they get plenty of light from all of the forementioned spectrums. I would recomend a 13 or 14,000K bulb to start with. If you think it is too blue or want more white, when you do a bulb change in 8-12 months go with a different spectrum.