In my experience, overstocking isn't much benefit in tanks smaller than 75 gallons. The point of overstocking is to disperse aggression. As the aggressor fish chases a target, he gets distracted by another fish, goes after the second target, and then a third, etc. The idea is that no single fish gets constantly hounded and harrassed. Smaller tanks (i.e., <75 g.) just don't have enough swimming space for the aggressor to get distracted and he will continue to pursue his victim.
Overstocking puts you much closer to the edge, in terms of the margins of error. Management of the nitrogen cycle is terribly important, because these fish produce lots of waste and because the high pH makes any ammonia present much more toxic. Also, if there is a power outage, the risk of oxygen depletion in the water is much greater. Finally, you have to be prepared to do a LOT of water changes if you overstock, or you will have chronically high nitrates and other pollutants.
Finally, I strongly agree that a 20 is much too small for almost all Rift Lake cichlids, no matter how many. You might be able to house a couple shelldwellers in that size tank, but I'm not so familiar with those species.
HTH,
Jim