20 hour rate is till dead!
as for usable capacity is all depends on what you ascribe to when it comes to proper and efficient use of the batteries.
there are those that just need maximum amp/hrs output, and will trade off lifespan to get it,
there are those that want to maximize lifespan and are willing to go with less amp/hrs to get there, or they will put in massive amounts of battery capacity to start with.
and somewhere in the middle are those that weigh all factors against the cost of the energy needed and will arrive at a charging regime that maximizes efficiencies overall.
so the correct answer is? tada... there is no one correct answer that will fit every application.
going off on a tangent now...
the biggest mistake folks make is starting at the wrong end of the equation. they start out building a windgen for instance that is either too small to be useful, or too large to fully utilize, rarely correctly sized for the load and the wind resource... unless they do a lot of homework to start with.
same goes with solar panels, generator sets, hydro installations, and buying a battery bank.
taking a breath and a swig of my coke...
far better to first, before you plan anything, and certainly before buying batteries, is to get an intimate knowledge of your loads, all of them, can you economize? can you schedule? can you reduce with upgraded appliances? etc etc... then lay out a 24 hour load chart to see what your average loads are, when they are below average, above, and what the peaks are? for how long and all that you can learn..
once you know that, the next step ought to be, taking a realistic look at the power sources available to you. if it is wind, you will need to accurately measure and determine what the wind resource really is? not what you think it is! you will probably want to have a years wind charted in some manner to determine just what you might be able to harvest,, then you can size a windgen to optimize recovery of that resource... and from that have an idea how much charging ability you have..
same for generator sets, hydro or solar
once you have the loads figured out, and the charging capability figured out, it is then very easy to determine the battery capacity needed.
the last thing you want to do is pay a small fortune for a large battery bank and then be faced with finding out you don't have enough charge capability to maintain them properly... undercharging is a killer of batteries.
probably more than you wanted answered? i wrote this more for my own benefit, in an effort to get my head around why there are so many issues with battery banks with so many people...
i include myself in that group, however i have not spent my wad on batteries yet...
bob g