I like these numbers. I run 12.85kw -> 81kwh battery and I average 40% DOD for a year consuming all the power I create. By extrapolation, 5kw PV -> 20kwh battery would put you around 62% DOD - which is a perfectly reasonable design. Assuming you're 'off-grid', there may be a handful of days where you can't consume all the power you generate thru the PV because the battery is not big enough to hold it relative to your consumption pattern - but you'll discover that over time. My suggestion is just leave room (if you can) to increase the size of battery bank over time