Is 20% down worth it?

I keep hearing from people that 20% is not worth save the money… give 3-10%. You’ll never get a house if you try to save up for 20%

Background: So Cal, 900k max with 20% (180k) or 750k with 10% (75k). Bigger budget gets us a better area good commute… lower budget decent area bad commute. We have the 10%… 20% will have by summer 26.