from a wheel fitment standpoint, the underpinnings of the FX35/45 are identical. Lousy of them to suggest one size will work and one won't.... unless tire diameters are different, which would mean they'd have to source a taller 18" tire for you, which would mean they'd have to work to make the sale....
Oh well, either way you'll be riding in style, and there isn't too much of a ride quality difference (generally) between 18" and 20"
The main issue will be cost of replacement rubber. It'll either cost a lot, or a whole lot, depending on what wheel you end up with. But that isn't a here & now issue.
All things considered.. Good luck, and I hope you get the one you want! Be sure to keep us updated!
PHIL