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I too like the looks of the 20" however since I drag a boat around in the summer and drive up to the snow in the winter, the 19" with all seasons makes a better choice for me as the tires provide a better mix of all-around driving.
If I were to upgrade to two sets of wheels/tires, I'd go to 21" summer rubber and the keep the 19" with winter tires. But like the OP said, my only concern is all that street rubber down on a wet boat ramp in the summer.
Tires like most things are a trade-off.
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