Oil doesn't actually wear out it gets contaminated. So the real question is how long can you go before the oil loses its effectiveness due to build up of carbon, sulfur, metals, water, gasoline etc.
The additives in oil are designed to bond and suspend what gets into the oil, but that ability is finite and when the limit is exceeded that's when the oil can no longer do its job. I personally would never go with a 20k OCI.
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