And for your question. If it was me i would buy a 20in, but you should buy what you think you will be more comfortable on. Dont waste your money on the wrong bike, a 26 and a 20 are completely different bikes and riding styles, so i personally think you should make the choice.
Mutiny Burlish 21.5
odyssey classic stem/ race classic fork
Fit sky bars, cut to 28
primo balance front wheel
odyssey v3/hazard lite rear wheel
you get the idea!