Oh, I don't know ... owning a *wonderful* little HD65 myself since shortly after they appeared I can't see much of a reason to make the switch to a HD20. Unless, that is, one simply MUST have 1080p. Spec-wise, that's about the only major difference between the two, as far as I can determine. And, yes, that's a big difference to some (probably most)...just not enough for me to plop down another grand or so. 720p suits me just fine, so far. The HD65 produces a
gorgeous, sharp image that's nothing to apologize for by any means, IMHO.
I guess I'd get an HD20 if I were in the OP's position, but I think the HD65 is still a very viable machine with an apparently
very good track record of reliability. The HD20 is a new, unknown quantity at this point. Hopefully it will prove to be just as reliable for most of its owners. I took a 'gamble' on the HD65, but it's paid off with many many hours of sheer enjoyment.
