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.

Without knowing how much it would take in expendable configuration, that doesn’t imply that it takes 23 times as many launches

How is that even relevant? The Starship HLS launch won’t be landing the upper stage.