IMHO I still think a 115 is needed on 20, not so much for Top end but middle range especially if running in swells. An Etec 90 is prolly similar to a Merc 115 tower of power and that worked fine my 18
ps - I think the Etec's are by far the best outboards being built today if you can afford one. 2.5 Merc 150/175's if on a budget aren't too bad as there are tons of used parts out there if you know where to look, if not Merc will rape you but the Japs are worse about that.
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Any way you measure it - dumbass is expensive
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