[Harv72b]

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I meant if he had 2 hearts or 2-pair, or anything that beats my 10's, if he check-raises me and I call, I am out $20 more than if I simply check the river.

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You can't think about things like this in terms of one hand. The deciding factor in whether or not to make a value bet on the end like this is how often your opponent will call with a worse hand...if you do end up getting check/raised by some two pair hand or runner runner hit on this hand, sure that kinda sucks. But if that only happens 2 in 10 times that you find yourself in this scenario, and if your opponent will call 7 of the remaining 8 with a worse hand than your AT...well, then you're missing out on a lot more than $20 by checking through the river every time.

So, yes...given your description of the opponent, this is a remarkably easy value bet.