I think it was Guy Cribb who said harness line length is personal taste and I reckon he's right to some degree. The "right" length depends on many things: harness type, boom height, sailing stance, sailor height, conditions etc.
I can't imagine 20 with a seat harness though. On the other hand 28/30 are too long for me. I mostly use 24 with a waist harness, but 26 also work. Adjustable lines are the best way to find your perfect setting! And you can adjust to the conditions, although I'm usually too lazy for that and so went back to fixed lines

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Most pros use long lines, but I doubt that they only use 28/30 lines as suggested at
http://www.star-board.com/forum/showthread.php?t=1715. Pretty much all the speed and slalom guys use adjustables (anybody knows about freestyle and wave guys?). And I know that Bjorn Dunkerbeck used 24-30 with a seat harness (he says that on the Faster DVD). So I'm wondering if harness line length of pros gets inflated by some people only quoting the maximum length?