An excerpt from a oil website.
OK . . .What does a 5W-30 do that an SAE 30 won't?
When you see a W on a viscosity rating it means that this oil viscosity has been tested at a Colder temperature. The numbers without the W are all tested at 210° F or 100° C which is considered an approximation of engine operating temperature. In other words, a SAE 30 motor oil is the same viscosity as a 10w-30 or 5W-30 at 210° (100° C). The difference is when the viscosity is tested at a much colder temperature. For example, a 5W-30 motor oil performs like a SAE 5 motor oil would perform at the cold temperature specified, but still has the SAE 30 viscosity at 210° F (100° C) which is engine operating temperature. This allows the engine to get quick oil flow when it is started cold verses dry running until lubricant either warms up sufficiently or is finally forced through the engine oil system. The advantages of a low W viscosity number is obvious. The quicker the oil flows cold, the less dry running. Less dry running means much less engine wear.
The last 6 sentences are the point I was making.
So an oil that begins at 10W can operate at colder temps but still perform upwards from there to it's top specified figure. Having an oil beginning at a 20w just means it cannot lubricate or rather flow as well when cold.
The oil I use in my car with 366,000k's is a 10w-40 and I have no issues.