Crux of the matter: It's better to have water and food and not need it than it is to need it and not have it. Sometimes the advice on these threads seems like it's all aimed at potential TDF competitors and loses sight of the fact that if your average ride is 10 miles, 20 miles is a pretty big ride. Distance is relative. While you're unlikely to actually bonk on a 20-30 mile ride, even if you're a newbie, you'll still be happier with lots of water and the option to have a snack at the halfway point.
BB
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Formerly fastest rider in the grupetto, currently slowest guy in the peloton