I just realized I didn't answer your other questions.
I'd let the tank sit for 2-3 days after you have it set up and ready.
I would not recommend a plecostomus for a 20 gallon tank. Most breeds can get to be a foot long or more (granted it takes a few years, but they don't stop growing just because the tank is small)
There are little fish called Chinese algae eaters.. that's probably a better bet for algae.
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