I will echo what everyone else has said. Try commishing one of those things...MAn its crazy. I have commished a 20-team H2H for three years now and it can be a real headache compared to more shallow leagues.
What is even better is that when its a money league, the entry fees are reduced! More people, more money!
Word to the wise though, a 20 teamer takes up about the amount of time, 2, 12 teamers would, so dont go getting into three 20-team leagues, that would be hell on your job, school, marraige, etc. Try telling your wife that your scouring the WW for any player with an ERA under 5.00! If she knows baseball, she will think your lying lol but its the truth.