All of the advice about auditioning speakers before you buy them is valid IMHO. Seems a fool's errand to not do so.
Something else to consider: Why not buy "pre-owned"?
Now, think of the speakers you could acquire for your $20K! And as you'd be buying privately, you most likely would have the opportunity to go and audition them. Why take on the initial devaluation simply for the "privilege" of being the first owner?
Anyways, good luck on your search!
Happy listening.