My suggestion. Keep it simple.
Set ALL the connectors and the org Send and Receive ( both of them) to the same value. In other words set everything to 37MB.
The organization max send and receive should always be the as this applies to anonymous messages and messages to and from the internet.
Get-TransportConfig -MaxReceiveSize 37MB -MaxSendSize 37MB
If you want to send only 20 MB to the internet then set that limitation on the send connector itself, however, it doesn't really make sense to allow 37MB from the internet but restrict sending to the internet to 20MB.
If you really want internal users to only send 28MB, use a transport rule instead ( though I would recommend not doing that since you have the org max set to 37MB)
https://learn.microsoft.com/en-us/exchange/mail-flow/message-size-limits?view=exchserver-2019