Chornedsnokack,
Agreed, 20 kts. might be unrealistic - so let's call it 60 or 80 kts. Even so, the vast majority of airports have RESAs that will damage the aircraft, but not beyond survivability. On those where that is not the case (KIL & FAE spring to mind), you go with the lowest safe V1.
However, at those very same airports - I really don't fancy my chances at FAE if I have to abort at Vr +5 because the aircraft did turn out to be unflyable... and the locals down at the foot of the hill prolly don't fancy a visit by an out-of-control-aircraft (God knows them people have seen some hairy tings happening to aircraft already).
Just my 2 kronurs worth