what happens if it is only at 20%
It really depends on your temps. Humidity is relative to temperature.
Every strain is different and will react different to high or low humidity. Some outdoor strains thrive in 32* heat with high humidity, other strains couldnt handle it for an hour.
The common problems you run into are...
With low humidity its transpiration. When you run warm with extreme low humidity the plants leafs will all reach up and the tips will curl up. Worst case scenario your plants won't be able to take up as much water as they transpire and it will affect yields.
High humidity can run into all kinds of other problems. Transpiration will slow down with high humidity, which means the plants roots are taking up less water. Which will again affect your yields.
The more water/nute solution that goes through a healthy plant the better.
Other major issues that you have to worry about with high humidity is Mold and Mildew. Once you start venturing into high humidity you increase chances of mold and mildew by 100%
Mold and mildew spores are always present in the air. It takes ideal conditions for those mold and mildew spores to settle and reproduce(heat, humidity, little to no air flow). Once you can see the mold or mildew it is reproducing and should be taken care of ASAP.