Hope you get your 33gal tank soon.
As a rule of thumb I use multiple filters per tank. AquaClear HOBs is old technology but really flexible as filter media you use. It's my favorite filter brand so far (putting the wet/dry sumps and canisters aside)
If you rather use power head filtration (I assume
AC 20 power is the
powerhead with prefilter, if you mean the AC 20
HOB, my mistake -English is my second language and I could confuse power filters as powerhead-filters and the term equals HOBs ), I see no reason changing that. I like the mechanical/biological filtration they provide.
Consider the fish you are placing in your 10 -20. I would use slower flow for gouramis, but faster for your live-bearers and danios.
Pepe
Santo Domingo