From the relative wear vs HTHS info sources posted here many times, when the HTHS gets above 3.0 the wear difference falls off much less as the HTHS increases than the difference in relative wear between 2.3 to 3.0. Most xW-20 typically has HTHS viscosity of around 2.6 to 2.7 cP.
If a vehicle is used in conditions where the oil temperature in the bearings is getting way over above 150C, then the oil dynamic viscosity (cP) will be even lower than its advertised 150C HTHS viscosity. That's why Ford, GM, etc spec a much thicker oil for track use, like xW-40 or xW-50 which has a HTHS quite a bit over 3.0 cP.
Using xW-20 for every day benign driving conditions where oil temps are 200-220F and normal loads (no heavy towing, sustained high speeds, etc) the xW-20 would probably be "adequate" most of the time, but going up a grade will give some added protection headroom on top of mostly "adequate".