I'm sure I'll catch some flack for this, but whatever...
The only difference between 5W20 and 0W20 is the cold viscosity. As the engine temperature warms up, the viscosities align. So if you look up any published viscosity vs. temperature graph, you'll see that when cold there is a difference in viscosity that disappears the warmer the engine gets. But all that means is that there are two temperatures probably about 10 degrees apart when cold where 5W20 and 0W20 are the exact same viscosity. If the Ridgeline had an oil pressure gauge, you'd be able to see that the oil pressure would be the same when hot.
All we're really talking about here is running the thinnest, lowest viscosity oil that keeps metal parts from touching. The engine might actually last longer if you run slightly thicker oil. But your fuel economy will suffer some, so of course Honda doesn't recommend it.
Void the warranty because of running slightly thicker oil? Really? How exactly are they going to know you used 5W20 instead of 0W20 unless you tell them. The oil viscosity changes more than that over the course of 10,000 miles anyway. Which direction is difficult to determine. Sometimes viscosity goes up and sometimes it goes down. That depends of lots of factors including how much fuel is making it past the rings to thin the oil, but it varies from engine to engine.
Years and years and, ugh, years ago... You had to run different oil in different seasons. Even after multi-vis oil came out, I had cars that could burn a quart of oil in well under 1,000 miles. In the summer, just run thicker oil and the burning problem mostly went away. In the hot months, I remember having to run 20W50 racing oil and switching to 10W40 in the winter because the starter wasn't strong enough to crank the engine over with 20W50 when it got too cold out.
The point is that for best fuel economy and engine power, you should run the THINNEST oil possible that achieves proper oil pressure to lubricate the bearings (but be prepared for the engine to use lots of oil). For longest engine life, you should run the THICKEST oil possible that doesn't over-pressure the pump and keep oil from flowing to the bearings. Which means that neither is the best oil because what you really want is good fuel economy and reasonable engine life.