People just do not understand physics and MOFT. Yes, under most circumstances a 20-grade oil has sufficient HT/HS to prevent excessive wear. That is why the grade is "back spec'd" to older models. Plus automakers did get retroactive CAFE credits.Way back in early 2000's I had a Ford 4.6l V8 - and they back spec'd from 5w-30 to 5w-20 via a technical service bulleting. That was obviously not due to cafe, so anyone remember why they did so?
There has been all kinds of speculation here over the years I have found in old posts - from Cafe - which can't be true since Cafe has never been back dated - to Ford wants to kill your old car.
https://www.tsbsearch.com/Ford/02-1-9
However the physics of wear are not some black art that nobody can understand. Even you can. Wear increases with decreasing MOFT, and it is around a typical 20-grade that the curve increases most sharply without design changes to an engine. Since I keep my automobiles for a significant period (and I wish to provide headroom for fuel dilution) there is zero practical downside to an oil with a higher HT/HS. The reverse is true as well, that there are no benefits to an oil with a lower HT/HS besides a marginal fuel economy improvement.