First off, let me point you to some reading:
http://www.aquatic-plants.org/articles/basics/pages/index.html
http://www.rexgrigg.com/
http://www.aquaticplantcentral.com/...ums/14684-new-tank-setup-guide-parts-1-a.html
A few comments on your set up. 96W over 20gal is a lot of light. You're going to need CO2, and a good fertilization regime. You might be better off getting an appropriate cannister filter rather than the 10gal sump set up. Heck, the 10 gal could become a nursery/grow-out/quarantine tank.
http://www.aquatic-plants.org/articles/basics/pages/index.html
http://www.rexgrigg.com/
http://www.aquaticplantcentral.com/...ums/14684-new-tank-setup-guide-parts-1-a.html
A few comments on your set up. 96W over 20gal is a lot of light. You're going to need CO2, and a good fertilization regime. You might be better off getting an appropriate cannister filter rather than the 10gal sump set up. Heck, the 10 gal could become a nursery/grow-out/quarantine tank.