Two more wipe on poly coats today for a total of 5, and may get a third in later tonight. I'm trying to only put on light coats, and looking at likely having to do around 20 or so coats, which might be excessive.
20 is not excessive at all. When I have used wipe-on poly, my minimum is 24, and I have generally gone 24-28. Many here and other places will go up to 50. I have used the same amount with Tru Oil also.

I try to keep a running tally of my coats on paper but sometimes forget to right it down, so I go with a "when in doubt, do another coat" philosophy. This assures me of my minimum but likely puts me over. Which is not a bad thing IMO.

What wipe-on are you using? Did you mix your own?