As long as you don't shoot machine gun style, I think you would love the 5D. The focus is not as fast, but I think it's more accurate. I have no idea what the jpg's are like straight from the camera because all I have done is shoot raw since the day I got it. I also really like the 40D but not for moving objects the focus does not seem to track as good, but in one shot it works wonders. I would say image quality is very close to 5D and the 1.6 crop is nice to have as well.
Ya you could be correct about the 10-20 and 5d, but I don't know for sure.