You're talking about first life characters and the people talking about how you get it all at 20 are referring to people with destinies filled out. Even if the new system actually gives you more starting points than 24, you might get more stuff with the current at 20 because you get access to tier 5 and 6 stuff which is often worth several lower tier abilities in terms of value and power. Tier 5 will not be immediately granted at 20 with U51, which is what I think they're driving at--you don't get your best abilities (tier 6 is being removed with U51, further increasing the likeness between heroic trees and destinies).