OP, this is probably the source of the confusion. Some people are claiming that SpaceX will need 20+ refueling launches for human lunar landings. However, that's a very different claim than reusable rockets requiring 23x more launches just to carry the same amount of payload to Earth orbit.
I recommend talking with people who know more about spaceflight.
Not the 4 ton lunar lander of the Apollo era.
Yes, because asking on HN if such people would be willing to answer obviously gets you downvotes and comments like this.