When it comes to oils, the lower the first number is the better. That is simply how the oil performs at lower temps, not just pourability, but how well it gets where it is needed when the engine is cold. And even living in florida, 80 degrees is cold for an engine. A 0w-whatever oil will flow, when cold, roughly the same as a 40w oil does when hot.
A lot of people have a hard time grasping that 0w30 oil is NOT any thinner than a 5w30 or 10w30. Infact they are the SAME weight oils at operating temperature. And contrary to what alot of folks like to believe, the oil is STILL thicker (even 0w30) when it is cold.
The way I like to explain it is this: 0w30, 5w30, and 10w30 are all the same, it is just simply that the 0w oil doesnt thicken up as much when it cools off. Right now, 0w30 is about as close as you can get to not changing viscosity with temp fluctuations.
So, all that said, it is really just a matter of 20w vs 30w oil that is the issue. And sorry I cant help as I havent heard of the engine failures that you speak of. But what I do know is that I follow what the MFG calls for. Cause engines are designed (bearing clearences and such) with a specific weight oil in mind. If you go too thin, you wont have enough pressure to get everywhere it needs to be. If you go too thick, you will have good pressure, but maybe not enough flow to get to where it needs.