I have been using the Fluval 3 plus for 6 months now and I just HATE it! It does not clean the water at all. It gets the big particles but it leaves the little stuff and it does not get the chemical waste like amonia.
I just converted to a canister filter becuase I upgraded to a larger tank. The one thing I knew to look for was activated carbon. It takes care of that chemical waste and helps maintain a balanced pH.
For your purposes with a 20 gal. tank I would recomend a small power filter (the hang on the tank ones). The TetraTec power filter is by far the best in my opinion. It has two gradients of debris filtering and also has activated carbon pouches, all in an easy to change cartrige (no measuring carbon or buying separate filter media; it's all in 1). It also has a biofilter chamber to cultivate "good bacteria" to further clean the water in the long run and to increase oxigenation of the water. For the cost I think it's well worth it especially for a smaller tank; the cost is really not that much more than the fluval 3 plus.
The drawback of the power filters is that like you said they are not designed for turtle tanks which carry less water volume than a full fish tank. The intake of most power filters is very short compared to a canister or internal filter so your water level in the tank must thus be higher. For a large turtle like mine (10.5 inches long) the water level will be too high for a proper basking area. However, for smaller turtles like yours (i assume they are small given the 20gal. tank) this most likely will not be an issue.
As for the splashing, your ideas sound just about right. The rocks are a natural alternative and would provide a nice hideout or a psudo basking area. But the plexiglass sounds like a much more effective plan although less pleasing to the eye. My hunch is that either way you will be able to significantly reduce the splashing.