Is 20 minutes of extra time a major impediment? I don't think I would get a refund on an Uber if they were a little late to pick me up and drove slowly so I lost 20 minutes in total. Although if that does happen maybe I'm just naive about refunds
And although 20 minutes doesn’t seem much, the variability of airline baggage check and TSA means 20 minutes doesn’t seem an lead to increased stress.