Installed depth, loose volume and whole bags
A 10 × 20 ft bed covered 3 inches deep needs 50 ft³ before adjustments. That is about 1.852 yd³, or 25 bags at 2 ft³ per bag.
A 10% purchasing allowance adds 5 ft³. True 10% compaction loss instead means 90% of loose volume remains after placement, so 50 ÷ 0.9 requires about 55.556 ft³ before allowance. Keep these adjustments separate to avoid counting the same extra twice.