I say: miss chance trumps a 20.
Actually, for an equal miss chance (50%), and assuming a 20 always hits and a 1 always misses, is identical to just looking at the miss chance.
roll a 1 (5%) ______________= miss 5%
____________+ 50% miss___= miss 45%
roll 2-19
____________+ 50% hit ____= hit 45%
roll 20 (5%)_______________= hit 5%
miss (50%) & hit (50%)
Interstingly enough, for lower miss chances, using the 20 always hits rule is disfavorable.
for example, for a 20% wiss chance
roll a 1 (5%) ______________= miss 5%
____________+ 20% miss___= miss 18%
roll 2-19
____________+ 80% hit ____= hit 72%
roll 20 (5%)_______________= hit 5%
miss (23%) & hit (77%) which means you miss more often.
If a theoretical miss chance of greater than 50% existed, always hitting on a 20 would benefit the attacker.
By the way, I also roll everything together to save time (first look at the miss chance before even adding the dice up).