Four 65 watters on a 20 is not overkill. I have a 20 gallon hooked up to my 65 gallon and over the 20 is a 250 watt Double Ended halide, with 30 watts additional of normal output actinic.
On my 10 gallon kitchen nano I have 2 36 watt PCs and they do well. Do a search for "kitchen nano" in this thread and you'll see. I also have two powerheads which offers much more benefit than one on my 10 gallon.
Depending on your system fans may not be necessary, but many times are as the system heats up to high during the day.
Most corals love lots of light and as long as they are properly acclimated will enjoy it more. The limiting factor is usually the heat output, or the electric bill on larger tanks
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You may want to look into a small metal halide pendant for your system.
Hope that helps...