I think both cameras are very similar and you would get same IQ in most of the situations. I would suggest you check what are the differences in terms of features between both. If you are sure you will never need / miss any of them, then go with T20. If however you are not sure and you think what T2 offers over T20 is valuable and nice to have down the road then you should go with T2. If you are starting with the Fuji ecosystem, over time you will be investing in lenses anyway. However, if you have no short term plans to buy a second body, you will be "stuck" with whatever you buy first. At least for a while.
That is what I would do.
A month ago I went with T2 kit (+ XF 18-55). Like Elisha I try to spend as much as I can, for what I would need to start, in the beginning. I added XF 55-200 and battery grip.
Good luck