Jack Plate on a 20

[jorgeinmiami]

I've been doing some shopping for a engine and have seen that most come in a 25" shaft and my boat is a 20". Choices are raise the transom but then I saw a boat that had a 20" transom with some sort of jack plate with a 25" engine. This would let me get a 25" engine and have it when I raise the transom.
Would that work or what are the draw backs?
Or keep looking for a 20" engine?