You're not gonna f'up your fender since you'd most likely hit the inner plastics which are somewhat durable and replaceable. If you did happen to sustain a little dent on the lip on your wheel it is typically repairable without any noticeable effect for around $100 - $150.
I think most people who put 20s on their cars are also lowered and so are much more likely to run in to trouble than you would be. Just be cautious as to where you drive.
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