Of course numbers are read all kinds of ways, but I was always taught that in reading a number without a decimal (i.e., "20, 354") the word "and" is not to be used. Thus, your example "20,354" would be vocalized as: "twenty-thousand, three hundred fifty-four". No "and".
Sorry about the delay. I checked with our English team and both options seem to be correct, either using "and" or drop it as you said.
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