imo, 10Gb networking isn't worth it on unRAID. You're limited by the speed of a single drive. For that many disks and speed seemingly important to you, i would be looking at a different solution personally. If sticking with unRAID, then it's madness to purchase all 20 drives in one go, unless you already have a ton of data to copy over and use the space. If not, then the best thing is to purchase a couple (of mechanical drives), and when they are approaching being full, purchase more at what will likely be a lower price (and possibly higher capacity drives). This is one of unRAID's main strengths and what it excels at, along with an excellent and user friendly docker experience