The Honda 20hp is the higher power version of the 15hp which shares the same powerhead/capacity... it is sometimes possible with some makes to increase from lower to higher HP for a given powerhead but not within the realms of DIY to tune the 20hp.
OB tuning is a very niche specialist field and usually only undertaken by those for example racing Thundercats with a certain OB make (Tohatsu I think).
Re fins if you mean those that clamp or screw to the AV plate they are only of use to an outfit that has problem planning due to excess loading etc. They should not be needed for your outfit. I have had them supplied with OBs I've bought and trying them I've found they give odd steering... can in some sea states produce unwanted trim attitude... and they add drag which lowers top speed.
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