I used #20 for my track feeders - I used red and white #12 bus wire (#14 on the last one because it was a much shorter run and since I had to buy the wire, #14 was cheaper). The #20 was also red and white, came as a loosely twisted pair, it’s used for alarm switch wiring. The #12 and #14 was stranded - much easier to work with under the layout. The #20 was solid, better to make neat feeders. Soldering the small wire to the bus isn’t hard - you need somethign bigger than a 25 watt soldering iton though. This is where that big 100 or 150 watt soldering gun comes into play.
At voice frequencies, much of the twisting IS to keep it neat and bundled together. Crosstalk isn’t a huge problem except in the longest runs (like, miles along the poles or underground). For faster stuff like network, the twisting is critical, but still mainly for controlling capacitance. the impedence of a capacitor is dependent on the frequency - too much capacitive impendence will weaken the signal and/or distort it, reducing effective cable length.
Loconet gets away with flat phone wire because it actually tuns at a relatively slow speed - 16457 baud. The capacitance of flat wire is such that the signal can stay within the Loconet specifications for up to 1000 foot runs. I WISH I had the layout space where this would start to become a problem (they have Loconet repeaters if it is!).
–Randy