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huskier headed gent
Cheers BT,My 9yo is on a 24" Ramones and it's a little big for him. He's used to it now and he'll grow into it more of course, but there's a lot of advice saying that you should get the correct fit, so it's easier for them and doesn't turn them off. The biggest issue i noticed is the kids hands aren't quite big enough on the larger sizes, in order to grab the brakes properly. That could be remedied though, with a different brakeset.
I reckon get the 20inch, so she's comfortable and confident. There's a decent market for 2nd hand kids bikes, so you should be able to sell when she grows out of it, in order to help fund that 24 inch Meta.
She has a little brother that will destroy what she hands over in pristine condition. On one hand I feel bad that he won't get a new bike for years but on the other hand he is inheriting some cool bikes. Knowing that a 9 year old is finding a 24" a little big and not considering the reach on the brakes has definitely helped the decision making process.