I have a 400D and cant say anything bad has come about owning this model.
Although I have no grounds for comparison I think the 400D would be the better choice purely for the (assuming it’s new) warranty. I don’t think you would find a 20D new retail these days.

I would also recommend getting the body only and spending the extra on a grip and nice bit of glass to get you started. Don’t get me wrong the 17-55 is fine but the 75-300 is crap IMHO.

Anyways, I think in the end you will be happy with what ever you get. Try them both out before you decide. Thats you best bet.

Michael.

I never intended to make art.