22 gallons should be fine. But if your worried about fuel maybe you should look into an i/o. I have 2 12 gallon tanks but only put about 10 in each and I do just fine for my boating habits, dragging a tube, knee board, cruising and floating.
However I do have a small 10 gallon imco tank that mounts between the stringers Im not gonna use and willing to get rid of.