Well the J-36 won't be ready for a while and you can't really know what will happen in the next decade with emerging engine technology like variable cycle engines and such. Perhaps J-36 can be pretty good both on range/payload and on speed so it can have pretty good loiter time too. That said yeah of course compared to a dedicated bomber like H-20 or B-21 the IWB volume and payload, while not negligible, does leave something to be desired.
Getting back to H-20 though it feels like this is the one project from China that has repeatedly been behind/disappointed. Hasn't it been teased semi-officially that a first flight would come "soon" for years now? For example there is this from Global Times
in 2021. There was a lot of talk that H-20 and B-21 would basically be simultaneous like first flight within months, etc. Yet it's basically just been nothing for years.
Is it just taking longer than expected? Better PLA OPSEC? We had the surprise J-15T and J-15D reveal with like no leadup so the PLA has shown the ability to just have something appear in significant numbers without any rumors. Maybe PLA decided to prioritize other projects like J-35, J-36, J-50, UCAVs, etc. instead and is delaying H-20?