HOB filter will mainly served as bio filter and mechanical filter with floss. The mechanical filter is basically the same as filter sock. It won't be nutrients factory if replaced properly. But just like sock, if you don't clean it for too long, it will be major detritus trap. Bio filter part is not really relevant for reef tank because the sand bed and rock is much more efficient at it. So HOB filter can be useful, but there are other options that works better.
In terms of tank size, 40 breeder > 20 long > 29.
Sounds like budget is your main concern. If it's my budget build, I will go with a 40 breeder with this Reef Octopus Classic 1000 HOB skimmer. I had kept a 55 gallon with that skimmer being to solo filtration equipment for several years, and it worked pretty well. Its last chamber can even be used to run some media like carbon in a media bag.
Also a skimmer make it possible to run carbon dosing. It will be dirty cheap to do it with vodka. Carbon dosing is efficient enough to drive your nutrient to undetectable level, so you won't need another method like refugium or algae reactor, another save of cost.
In terms of tank size, 40 breeder > 20 long > 29.
Sounds like budget is your main concern. If it's my budget build, I will go with a 40 breeder with this Reef Octopus Classic 1000 HOB skimmer. I had kept a 55 gallon with that skimmer being to solo filtration equipment for several years, and it worked pretty well. Its last chamber can even be used to run some media like carbon in a media bag.
Reef Octopus Classic 1000 Hang-on-Back Protein Skimmer
Hang on Back skimmer with pump mounted externally under the skimmer body. Unique design reduces heat exchanged to the water. Easy removal of the pump for cleaning and maintenance. Powered by one Aquatrance 1000 pump with improved venturi design and pinwheel impeller. Built with high quality...
www.bulkreefsupply.com
Also a skimmer make it possible to run carbon dosing. It will be dirty cheap to do it with vodka. Carbon dosing is efficient enough to drive your nutrient to undetectable level, so you won't need another method like refugium or algae reactor, another save of cost.