20" to 15" will actually make you LOSE top speed
Not always. If it doesn't have enough power to reach the theoretical top speed you can get a higher top speed with lower gearing
Like if you run a 1:1 ratio, top speed (according the calculator) will be over 200 mph. However, it's unlikely to be able to move at all. You would get a higher top speed with a lower gear ratio. I know this is an extreme case, but it's just to illustrate the point.