I'm confused about the outbox/inbox stuff. Why would a follower have to connect to all 20 just to see posts? Don't they just need to have one in common?
No, the "one in common" strategy is the legacy strategy. The outbox model changes it to "this is my relays" strategy where users have to download the relay list for all the people they follow and then process the list into a mega relay list, connect to all of them and download the data.