I agree that the 20 character limit is probably intended to prevent people from sharing a single account. WotC strikes me as being very concerned about piracy. But you know what? There's no stopping piracy, and my support of anti-piracy measures goes up in smoke the
very instant it makes my life as a paying customer worse. I have no patience for it.
For what it's worth, I'm
not a power user, just a DM, and even I have 15 characters on my hard drive from the players of various campaigns I've run. 20 is too few.
My subscription ran out recently, and I'm holding off on resubscribing until things improve. I originally subscribed for Scales of War, and now I'd rather give my money to ENWorld.