Should I go with tabs or k-planes? When running wide open it doesn't take much of anything to get it to chine walk. It will get almost 70 with just my self and not much fuel.

A 20 OL shouldn't really need them, but some Bennets should work fine.

I agree completely. IMO the only reason you should need any is if you are running a big motor and are chine-walking at high speed.

On a little boat, tabs can be helpful for balancing loads, especially if you get a passenger over 200 pounds sitting in one aft corner seat. Bennetts would be fine, but you might consider Lencos. I've seen these many boats in this size range and they're reportedly pretty easy to rig.

Tabs were VERY helpful on our 20' Baja; was a "night and day" difference. I went with 12x12 Lenco tabs and was happy with the installation and results.