The 720 and 820 are the same reciever except that the 820 internally decodes HD Audio. The 920 is a different receiver all together. Honestly after having the 710 and now the 920 the difference is huge. The 920 is in everyway better. If you can trade up, you want to the 920. I don't think a 1.3 cable is a must for LPCM, but I would get one just to have piece of mind, personally.
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