Excellent suggestions, but after talking to my father (who was an AF avionics specialist) he gave me an idea.
He suggested putting a resister in parallel with a SPST switch, both in series with the stepdown converter.
I took that one step further and put a 24vdc 4.8watt incandescent light bulb in parallel with a SPST switch, both in series with the converter.
Now when the power supply checks for a short with the 3v test charge it sees the bulb and turns on the 24vdc, causing the light to turn on. Because the light is in series with the converter, as the converter charges its capacitors and starts drawing power, the light dims to almost nothing. Then you throw the SPST into the ON position and it short-circuits the light bulb, giving an open 20A pathway to the converter.
It's not automated, but the power supply should be running nearly all the time, so startup sequencing won't be too big of a hassle. (you also don't want too big of a load on the 12vdc side while in series with the bulb or you could max out its current handling and blow the bulb... with a 4.8 watt bulb you shouldn't exceed 1.6 watts of load on the 12vdc side)
Sometimes you have to stop overthinking and see what works. (it also only cost me about $6 and a trip to the hardware store... work done in about 45 minutes to an hour, including mounting the housing for the switch and bulb... the brain sweat took me all day!)