I got an email from MSC with the cruise ticket, health questionnaire, purchased services, luggage tags and what is shown as embarkation forms. Don't know why at web check-in it is marked to download embarkation forms which kept giving me an error, if the forms come as part of the paperwork I received as shown above.
I also got the 20 days out message when about 30 days out but last night I was still 25 days out and was able to check in.