Where does "20 years" come from? What's wrong with "10 years"?
At the 200,000 mile mark battery life is expected to be ~85%. That's what actual data shows. 200,000 is 13 years of driving 15,000 miles a year.
https://recharged.com/articles/tesla-model-y-battery-degrada...
I picked 20 years arbitrarily, what I meant is that we don't have data on how modern EV batteries will look when 20 years old, because they have not been around that long.
The whole LFP chemistry is pretty new, on automotive timescales, and lot of the older data on degradation comes from the first few generations of Nissan Leaf, which did not have battery heating and cooling.