As to the HD20 - it does take a 512k or higher RAM Mac to use it - but many (possibly even most) 128k Macs were upgraded to 512k at some point in their life.
But even the 512k cannot *BOOT* natively from it - it needs an HD20 bootstrap floppy. It starts booting from this special boot floppy, which then mounts the HD20, and transfers the rest of the boot process to the OS on the HD20 (ejecting the bootstrap floppy.)
The 512ke added boot-from-HD20 to its ROM. (And any other 68000-based compact Mac can boot from it as well, all the way up to the Classic, as well as the Classic II, and a couple other similar-era models, although strangely not the SE/30.)