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Not sure how easy it will be to find 20H disc hubs, but in terms of general wheel strength it might be fine. Depends how gnar the mac is, and how hard you hit it. I'm pretty relaxed about 20/24 with rim brakes on anything signposted footpath/cyclepath/bridleway, and I'm 15kg more and I expect you're looking at deeper rims than DT R24
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Yes; when Zipp spec 24 spokes on their cx/disc road front and rear wheels it's telling you something.
Because of the braking force coming through the hub, you need more spokes to stop too much load being put on a 1 or 2 spokes. 24/24 is a minimum, at 82kg I ride 28/28 because 8 spokes don't weigh a thing.
20/24 carbon rims a bad idea for a disc road/gnarmac bike and 87kg rider?