Should also not forget that level 20 is a key level in many ways:
You get a /surname. It would make sense for level 20 to be max level. You reached the peak, you deserve to be known with a surname now.
INT casters get specialization. You've done it, now it's time to specialize.
If I am not mistaken: If you take all the starting cities and the zones connecting the starting cities, there is not a single zone that would require you to be higher than lvl 20 - except Kithicor at night. And Kithicor has such a big gap in lvl day vs. night, it could have been added on later very well.
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