I had a Honda CBR500R in 2014 and I can't remember that bike generating any significant amount of heat, so I can understand your surprise at the heat from the Tracer. However, you should realise that the Tracer does have a larger more powerful engine so more heat is a reasonable expectation. I came to my Tracer from a BMW S1000R and that bike was a hot bike ... especially in my Houston summer weather. The heat was from the engine as well as upper thighs as well. The Tracer is cool by comparison, although I do feel some heat (not uncomfortable) from the knees down. I have a 2019 Tracer which should be same as your 2020.