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According to the bard grid they get 22 spells, but as a class feature they get to plunder 2 more spells from any class at 10, 14 and 18. So does that mean they have a total (at level 20) of 22 spells or 28 spells?

I have looked around the net and found a few premade level 20 characters and lists of suggestions. The opinion on this subject seems to be split and I have no clue which it is anymore.

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Magical Secrets is a base bard ability that grants you two choices at level 10 , 14 and 18.

You are missing this important part of 'Magical Secrets'

"....the chosen spells count as bard spells and are included in the number of spells known column of the bard table...."

So yes, including Magical Secrets, you know 22 spells at level 20.

The only exception to this rule is if you happen to be in the College of Lore, where you gain Additional Magical Secrets at level 6, which do NOT count against the number of spells known, which would grant you an actual total of 24 spells known at level 20.

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Magical Secrets ...The chosen spells count as bard spells for you and are included in the number in the Spells Known column in the Bard table. (PHB p.54, emphasis mine)

So magical secrets gives you a broader choice of spells; the total number of spells is 22.

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They have 22. The entry for Magical Secrets states that the extra two spells that you 'plunder' are included in the 'spells known' column.

A College of Lore bard will have 24 bard spells known, with their Additional Magical Secrets.

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