Hi crypto piotr, I thought I replied to your last message, but it's possible it got lost in the mix. I'm glad to see that you're still around here as well.
HF 20 hasn't impacted me too much other than the couple days where most people were affected. The most interesting thing that looks like it's going to happen to Steem in the future is the introduction of RC delegations and new apps being built on Steem. If you're looking for a good description of the changes that have happened, then look at themarkymark and therealwolf, they've been covering the subject over the last few weeks.
Thank you for being so responsive @the4thmusketeer
and sorry for such a late reply. just realized that I've missed your comment
yours
Piotr