Do consider posting more information, like the rest of your system in detail and the size of the room and so on. Your original question is a bit too open ended to get truly useful responses.
In a forum like this personal preference varies so much. If you don’t audition speakers your choice might be just OK for you, or even worse, unenjoyable to you. You are not optimizing what your $20K will buy.
I recently went through the speaker auditioning process. I live in a major city with 5-6 brick and mortar hifi stores. Some speakers were very "technical"... lots of precise detail, thrown in your face, Many people like that sort of thing and it is impressive at first listen. To me, some of these type of speakers are not very musical and may offer up a sound that would not keep me in my chair for hours and hours of listening. Also speaker performance is often very dependant on good matching of upstream amplification and sources. Additionally ,much of the genres of music you enjoy are not that well recorded or mastered for the "air bud" crowd. Unforgiving speakers won’t help you enjoy listening to that. In the end, I didn’t buy what I thought I would when first going into the process.
The " safest choice" for you maybe to buy buying used. You will likely find speakers just a few years old for way less $$$ than new, which will allow you to either spend less or get something better than what $20K new would buy you. If you don’t ultimately like them, can sell them, get your money back, and look for another pair. Although many sellers are unwilling to ship large speakers, many 2nd hand dealers will.
