To me its all about pace of play.
I wouldn't consider 20 as high. A 20 is playing bogey golf, keeping up with the group and not holding up the following group. Any player unable to keep pace because of scoring issues is a high handicapper to me, and that happens well above 20.
I washed and cleaned my bag today, with success having the white panels return to original white color, and here is how I did it in case someone wants to know:
Several years ago I won an embroidered Sun Mountain carry golf bag in a "closest drive to the golf bag in the fairway" contest at a...