My best generator experiences have been when the generator dealer is the primary contact. Let him 'package' the generator, transfer switch, exercizer, and load bank together. Then you work with him to get it going.
At 20kW, the generator is big enough to require periodic operation, under load, to operate properly. My customers, for their convenience, exceeded the minimum requirements. For example, they set the exerciser to operate the thing every fourth Tuesday, rather than every other other month. Or, they ran it for 30 minutes rather than the 15 minute minimum.
This periodic operation is required to keep everything in the generator lubricated, to get 'stale' fuel out of the lines, and otherwise make sure everything worked. The extended run is required to get everything up to full operating temperature.
Running under load is important as well. While the actual percentage varies, genny makers usually say something like 'the genny should be run at 80% full load.' Thus, the genny should not be too large.
The load can be provided in two ways. Some places will actually transfer the facility to generator power during the maintenance run. Others will install a 'load bank' -that is, a giant toaster- on the genny.
Now, for sizing ...
There are two conflicting ways you need to use.
You size the genny to the actual load, which you often get by actually measuring it.
The transfer switch needs to be able to switch the full service-size amps.
Thus, it's common to find a 200 amp service backed up by an 85 amp genny.