Yes, the "-1" is the control channel, which does not need to be accounted for. But all voice channels need to be accounted for. The likelihood of 22 voice channels being used simultaneously? Highly unlikely. But, then again, they wouldn't have bought 22 repeaters and licensed 22 freqs if they didn't anticipate that loading could get that high. As long as every one of those 23 freqs (including the CC) is within range of all of your dongles/SDR devices bandwidth, then there is a possibility that all 22 voice channels could be used at some point during some extreme event. If you don't want to miss one iota of traffic, then set max channels to 22. It isn't going to hurt anything to set it to 22 if it the system typically only has up to 8-10 simultaneous calls and your computer system can handle it. Of course, once it gets up to 22 channels the computer or SDRTrunk might crap out if one or the other (or both) don't have the resources to handle it.
If it is a Phase II P25 system, do not count each frequency twice. Only count them once, despite Phase II channels having two talkpaths / timeslots.
Mike