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

I said “20 minutes (or more)”. The 20-minute case is for a pickup at 5 AM. If I travel to the airport later in the morning, the time difference is worse.

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.

It's a pain if that isn't communicated in the app prior to committing to payment.