The little D20 does pretty well. It was designed for use on Broncos & light trucks with max 28" tall tires with clutch type rear ends at best.
Torque kills gear boxes.
I twisted axle shafts at times it seemed like random and never hurt a D20 with tires under 35" and with toploader 4 spds, 3 spds and C4's in sand, snow and trails. Then came rocks and gear doublers and ZF's and holy cow... D20's (and other parts) exploded like popcorn in a hot skillet! I am not exaggerating
First real rock wheeling in Moab with my ZF and 203/D20 combo with ARB"s frt and rear around '00 and on the first waterfall on Poison Spider I was walking up in low, low and locked frt and rear at about 1mph and ka-BANG! I had twisted the tiny teeth off the idler. We had a spare D20 with us and I was wheeling again.
I put together the 300M output shaft mass buy from Chuck about 20 yrs ago. We carried spares everywhere before then. Gary Y came up with his way cool 31 spline and slightly longer output shaft that WH has carried all these years. I couldn't run Gary's because of the extra 1 1/2" long output shaft but it is a D20 saver.
I cracked 4 D20 cases as they couldn't handle the torque. I ate 1 output shaft before the 300M mass buy. I ate one idler gear. THAT is a LOT of wasted vacations, time and money. I was hard headed I guess. I can say this, not one of the D20 failures was caused by the skinny pedal, by bouncing the Bronco by trying to get over a rock obstacle, by hammering a shift on pavement. They all grenaded with normal use but extremely high torque miltiplication applied through the box.
I'll post up a pic (D20 gear on the left) showing why the D20 can't begin to hold up to what a 205 can. The little straight cut D20 teeth are less than half the width of a 205 tooth, has much less contact area due to helical cut instead of straight cut (similar but different than a 9" hypoid gear contact).
Anyway, expect it to fail if you rock crawl with extemely low gear ratios where ALL 4 tires are on rock, won't slip until tires slip or gears slip.
Wet pavement? There's very little resistance. Dry pavement? Shock load will get it- there is no magic number..