The downside is you will have a bunch of money invested in a pad that may never become a garage, because life happens.
Also you will stare at the pad longing for the garage and your yard will be unsightly until it is finished.
The concrete exposed to elements is another issue, for one season it probably would be fine but at 20K is not worth the risk. Look at how well concrete sidewalks etc hold up. if the only thing that gets on it is snow it should'nt pose a problem, best to keep it clear though, and if you get salt or any corrosives on there you will have issues. So if you do it don't park on it as tempting as that might be.
If you can only afford the pad put the money away until you can do the whole thing is my advice. If you have enough for the pad use it as a downpayment to get the bank to add the rest to your mortgage.
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