I'd go with the Nova. Since a 20gal long isn't that deep you don't really need to worry about individual reflectors, just use better bulbs like ATI, Geisemann, and UVL.
As for K, kelvin is the color of the bulb. A lower K like 6500K or 10,000K have a more yellowish color, while a higher K bulb like a 14,000K or 20,000K are more blue. Lower K will give you more growth and will penetrate the water better.
HTH.
-Justin