Of course you can hold on to a Score 5,2 in 20 knots. It just depends on what you want and how you sail. The 5,2 makes a very nice umbrella for Mary Poppins in this sort of wind and, yes, it can be done.


You can even go bigger if that's your cup of tea.
Personally, anything from 20 knots up is Score 2,8 for me but most people would go 3,5ish and some are out on their 4s beacuase they don't own anything smaller.