Even with the caveats about limited data and untangling causation and correlation, the statistics are striking: the first year of a scheme in Wales where the speed limit on urban roads was lowered to 20mph resulted in about 100 fewer people killed or seriously injured.
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For what it’s worth, I wouldn’t be in 3rd gear at 20mph in a modern turbocharged car.
For my car, 20mph is roughly 2500pm in 2nd and 1700rpm in 3rd. I don’t like to live below 2000rpm because I don’t get spooled up that low.
I retired my 2003 VW last year after 15 years of service (F fallen comrade) but it couldn’t do 20mph in 3rd, only in 2nd.