Well, if you want to draw an arbitrary "line in the sand" so to speak, shouldn't the number be based on their natural habitat or other more substantial research? Many folks have nitrates in their tap water higher than 20ppm. Do all these folks need to get a RO machine just to keep guppies?
Seeing that you are a discus keeper and that they are much more sensitive to dissolved solids and nitrates, it makes sense that you err on the extreme side of caution, not to mention the cost of your fish. The OP however, is keeping rams, guppies, tetras and loaches. These fish are less sensitive to nitrates, and probably don't need the same parameters as discus. Many fish prefer much different conditions that discus, especially livebearers who prefer/need a much harder water to be healthy.
Seeing that you are a discus keeper and that they are much more sensitive to dissolved solids and nitrates, it makes sense that you err on the extreme side of caution, not to mention the cost of your fish. The OP however, is keeping rams, guppies, tetras and loaches. These fish are less sensitive to nitrates, and probably don't need the same parameters as discus. Many fish prefer much different conditions that discus, especially livebearers who prefer/need a much harder water to be healthy.