20 pixels per metre isn't lower than what is seen in the viewer (assuming you are talking about sidescan mosaic). Typically there are 7-15 pings or so per second, so at just 2 knots 20 pixels per metre is already somewhat higher than the native resolution along the direction of the track. The resolution across the ping is usually a lot higher - perhaps 1500 or so pixels per side for Lowrance and up to double that for Humminbird - and it is true that this full resolution is not always exported at 20 ppm, but losing some resolution in this dimension doesn't really affect the quality of the final image. The viewer also drops resolution in this dimension (slightly more the export, actually), but images are shown using a linear interpolation which does make the images look smoother.
Here's an example showing the same area in the mosaic view and exported at 20 pixels per metre. Note that you can see the individual pings very clearing in the exported image on the right - that is the natural resolution of the recording, and in this case is only about 3-4 pixels per metre due to a wide range and speed of about 3 knots: