You make a fair point. That said, I don't have a sump or anywhere for a sump, is it really that important?From experience: Things can go really bad really quickly with a small tank, and you're probably more likely to be able to go longer without water changes on a lower bioload larger tank with equipment like a sump/skimmer/ato. As others have said, it's all about testing water and keeping parameters correct, which from experience, parameters are harder to keep stable in a smaller tank as small changes have a larger impact. Also, don't forget that IF something does go downhill, you can lose a lot of livestock, and saltwater creatures aren't cheap.
I'd stick with the 55g, I think you'll save money in the long run by having a more stable system. I honestly wish I started larger and didn't cheap out on stuff.
Edit: With that being said, you can always keep the 55 and start with a 20 to see how you like it, then convert it into the quarantine tank when you start up the 55 if you want. You'll need a quarantine tank anyway.
A Skimmer we don't currently have, but was thinking of getting one down the line when there's a sale (would have to be a HOB one though), but again, how crucial is one? In a 55g that isn't heavily stocked (few fish + cuc) without a sump and without a skimmer, would water changes need to be weekly or bi-weekly?