I say go for the 20%. I live in Michigan and were not supposed to have anything more than the top 4 inches on the front windows like prior post say but that looks like crap. I have everything but the windshield done in 20% and on my SSEi I had for 2 years I only had one cop say anything about it and that was leaving the bar at 2 am with 5 people in my car. I have a doctors note that says I need tinted windows so even when I do get stopped for it I get let go. The note lists two conditions where bright light causes sever migranes.

I have Metallic tint that is illegal in Most places but Ontario (Looks Factory) I drive all over NYS and have never had a problem but with out of state plates and you can see in thats the big issue to the cops being able to see in.