It also depends greatly on the direction of the noise, guns with comps are alot louder when standing to the left/right/rear than ones without.
Personally I have a feeling that even with a 20" you're still going to need muffs. I have shot my sks with a 20" barrel (it is 20" isn't it?) and it still leaves a nice ring in my ears, but it was bareable at the time.
Since then I always wear ear protection, especially when shopting indoors.