I think you will come to realize that most commercial traders have no clue about growing bonsai, and many will just assume that you want to limit growth. Whereas in most cases you want to maximize growth. Only when you get to the last stages of refinement is fertilizer management of relevance. Or at least, that is how I see it. As such, I really just use what is available. I mainly check whether trace elements are included. NPK is standard. But the plants need much more,but in much lower concentration.
in the end, the plant will be limited by only one or very few components of the fertilizer. Most of it will be present in excess. As you most often do not know exactly which one is limiting, you give it loads of fertilizer. Assuming you have a forigiving substrate, the excess will flush out..
Lower concentration & more frequent provision is what works well. (And of course, halfing the dilution of a 10-10-10 will give you the same effect as a 20-20-20 .. ).
I would err on giving lower concentration more frequently to reduce the risk of fertilizer burn to roottips in dry weather. Not something to ignore in Ozzie. (I used to live in Melbourne, and know how the weather is tricky some time of the year)