Nitrate at 20 is not bad at all, and once you get live plants in there they will love that and you will see the levels drop, but I would not worry about 20.
I have crashed my tank's cycle when changing out substrate, and that was in a 12gal Eclipse with a biowheel, so be careful when doing that. Some people have described no trouble after changing out substrate 100% all at one time, but I've been burned so I'm cautious about it. All I did then was pop over to the
LFS and get some Bio-Spira, but currently that's not an option so it is risky.
Your plan sounds good, and what I did when starting with live plants is I left the plastic ones in for a while, mainly to allow the live to fill in and grow to hide the filter intake or whatever, then when they were doing well I removed the fake ones little by little.
Sounds like your cycle is finished, but give it several more weeks to get the biofilter completely established. It is somewhat delicate in the very beginning shortly after the cycle completes.