You will not have any problems with the ride comfort with the 20 inch wheels.
I drive in NYC alot and the roads can be pretty bad around here as well. I haxe 22 inch wheels on my X6 and although of course i take it easy on the major bumps and holes, but she still rides very smoothly nonetheless so i believe the 20 in wheels will not pose a problem for you.
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Too smart for my own good...
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