I guess we need to see the big picture of your total projected setup, the surface area on a tank this size is no issue if you have the adequate equipment setup (sump, refugium, skimmer, water flow amount etc...)
IMO and from my experience on my Big tanks and reef collegues (also with very large tanks), 4" is not much of a concern for lighting @ 20" . Believe me many of my colleagues grow light needy sps's in +30" tanks with 175w MH. Again, its what your willing to spend and If you have the means to purchase the bigger tank along with the (key) "appropriate equipment", you won't be unhappy with the results.
Thx,
Twize
www.Twize.com