A 20 long, heh..... I had 3x23w CFLs over my 20 long, no ill effects. yes, I had Green Spot Algae, but that was normal. It worked out very well for me too.
And I don't think you need to worry too much about penetration, that tank is only 12" deep.
FWIW, I run 4x65 watts of PC lighting over my 75, which comes to be about 3.5 watts per gallon and I do not run co2 or dose ferts. I have no prob with algae whatsoever, of course the tank has been running for 3 years and is completely mature as well.