caligirl...oh my gosh, you sound so much like me (and everyone else who gets 'bitten' by a bike!
Just wait....I'm so totally serious...once you've ridden 20 a few times, then 25, then 30, then go for a 70 in there, back to some 20's again (don't forget the 'rest' days) then an 80+...the 20's will totally seem like a ride around the block. I remember thinking that riding around the lake (we're up on vacation now on Glen Lake in Michigan - 14 miles of hills) was a day's outting!!!! I rode it yesterday after 10 miles on other roads just touring the countryside and i thought "wait, did they change this!"...it was a snap...even the killer hills. Now that, is what keeps you going and feel'n soooooo great about riding and yourself nd your awesome new friend (your bike).
gretchen