Quick reply ownz joo!!
As for not being able to find good images under 20k...just use photoshop to resize the image to whatever you want, (you should sharpen at least ones if you go from really big to really small), then when you are saving there is a little quality slider, you can lower the quality of the pic (it's not really to big of a difference for small pics) for smaller file sizes...
If you don't have photoshop you can download Irfanview for free. You can do basic things like resize images, as well as sharpen and do other filters like embossing images or "buttonizing" them by giving them those edges and other stuff...