I saw that today on their email, 20% sounds excessive.
We all know the rules and they are not the hardest rules in the world to comply with.
With the help of Utube and Ebay almost all small issues can be resolved fer pittance, fer example I had a small dent in me passenger door, so I went on Utube to find out how to fix it, then went to Ebay and bought a Bridge dent puller fer 5.71 from China.
Silver paint repair stick from China, I can't remember the price but it was pittance.
Car seat covers, a full set from Malaysia 15 bucks, (Easy on, easy off).
Foil blanket fer my safety kit, 1Euro from China.
All these very cheap items will get you through suitability.