I usually use 20 in my 182j for a few reasons:
1) You can go around with 20 if necessary.
2) You can see better.
3) You can brake better (I have the electric lever with no notches so I have to hold the flap switch to move them)
4) You can land in crosswinds better.
5) I don't like the nose up attitude of full flaps.
6) You'll still land in less distance than you'll use departing.
I do sometimes approach an airport with an obstacle with 20 and then upon clearing it, I slam full flaps while pushing the nose over as I pull power off. As I get into ground effect, I'll flare hard and add a burst of power. It seems to work.
I'll vote with the guys recommending practicing all flap settings including clean after my last flight review, here's how it went:
I was 95% done with the review after having done the oral the previous day and an hour of stalls, unusual attitudes and some hood time. All I had to do was land one last time. This is when the female instructor pulled power off halfway along the downwind. For some dumb reason, I glided past the numbers before turning towards the runway, then barely made it to the end of the runway--but I made it. Now muscle memory took over after countless landings with flaps and I held it at 65, pushed the 3 bladed simitar full forward and started my flare. At this point, both levitators quit working at about 3 feet off the runway and we sunk like a stone hitting the tarmac so hard it knocked the taste out of my mouth. The stall horn blared, stuttered on impact and blared again as we launched. Now I was jarred to my senses and did my job not to hit a second time but the poor horrer-stricken instructor and myself were both wondering whether the wheels were still attached. The tough Cessna gear checked out fine and all I had was a dislocated bung-hole and a shattered ego. The instructor thought it was her fault but it wasn't. It was mine for not knowing how to land my own plane without power and flaps. I've practiced a lot since then with various flap settings.