To clarify, when you say "external", do you mean a hang-on filter like a Whisper or an Emperor, or do you mean a canister filter that sits off to the side of the tank; and when you say "biological", do you mean LR/LS, or something else.
A disadvantage of a 20g is that when something goes wrong with your water quality, e.g. something dies and produces ammonia, the ammonia levels will become a big problem quickly. This will require an exceptional filtration system.
I looked over your other posts. Do you have LR or LS? What filter do you have now?