If you look hard enough you can find any answer you might like online That's not a great idea; that's why you've asked us here at TFF. We have experience of many years between us. & we can help you avoid mistakes we may have made in the past.
What shape is your 20g? There are substrate calculators maybe here on TFF, but many other places that can help you decide. It's better to add the sand all at once IMO. If you do it a little at a time, you might cover up the most beneficial bacteria active part. The substrate & BB needs to have oxygen from the water movement to be "happy" & reproduce fast.
I would wait until you can do all the sand in 1 go. How much does sand cost? & how much effort will you need to put in to create a stable tank?
If you go the panty hose route you can put some in your filter too. More water movement & more oxygen is good. You can't overdo the BB, it only grows as much as fish waste & food produce ammonia, etc.
The BB reproduce fast, doubling almost every day...but it's also good to test to really understand what's going on. A good habit to get into in case you have problems later on. I tend to test new tanks or extreme makeovers often...but once everything is stable for a while less often. You're not to the stable point yet. Test!!