So many options here. If it were me I would skip the 20 long and go with a 15 high (20''x 10 ''x 18'') or 20 high. Petco is currently having their 1$ per gallon sale FYI. This well give you some play room in length for an ATO.
Secondly you really don't need a middle chamber for your reactors. I have my carbon in-between a baffle and my GFO in my return section with the Phosban reactor mounted inside the sump. I perfer carbon in a bag without a reactor as the removal is more consistent and not as dramatic.
This will leave you with your drains and skimmer in the first section - baffle - and return section sharing the GFO reactor. If you have filter socks than you will appreciate this spacious chamber.
I like having an over under baffle. This way I can add bio-media, carbon, or a sponge filter in-between it if I want. Its not really used as a bubble trap as you won't have any issues with bubbles given the distance from the skimmer to the return.
Third use glass not acrylic for your baffles. Acrylic does not bond well to glass. Also acrylic expands quite a bit. Example fit the baffle inside and then bring it outdoor. 10 minutes later the baffle will no longer fit in place inside the sump. Also as surprised as I was glass is just as cheap and easy to find. Make sure you get them to round the bottom corners!
The overflow will drain about 1'' of your displays water into your sump. So thats about 2.5 gallons I believe. So I would probably allow 4 gallons unoccupied in the sump.
Worst thing you can do is limit yourself in the return sections height. I like to keep my return sections baffle height either matching the skimmer sections or 1/2'' less.
I would keep the baffles at 9.5-10'' high. Skimmers like Aquamaxx which I swear by require 9.5''-10'' in height. You wouldn't want to limit yourself.
For the glass baffles. I like cutting some cardboard in order to see how it fits to get my lengths. A measuring tape just doesn't really work. Allow 1/8'' in reduction to the baffle lengths as this will help with greater silicone contact between the baffle and sump. I will go into greater detail on how to silicone the baffles to glass if you need me to. After my 3rd sump build is when I really started to understand a few tricks of the trade.
Ok im exhausted now! lol