Passing that many amps directly though a toggle is not the best practice. Normally when switching that many amps you usually use the toggle to trip a solenoid.At least that's the way I would do it.
Fair enuf Sir.....so do you imply that 20A toggle switches are not manufactured the way they are rated for?
If I am buying a 20A rated switch, why should I not be able to pass 20A thru it?
20amp rated switches are rated to pass up to 20amps is right, but as Circlotron mentions it's the initial contact that does the damage by arcing. It quickly deteriorates the contacts and the switch will fail prematurely. DC is hard on switches so usually if you opt to use a switch you probably want to double the rated amperage rating. 12volts is nothing compared to 24V.I've seen 3/4 inch wrenches burned in half from people attempting to bypass ignition solenoids. But that of course is an extreme case because there was around 2000 amps at the batteries.I laughed my arse off.
Another bad idea is to use AC switches for DC. Slide Contact is better than Point Contact for DC.AC switches tend to be point contact.
You don't really need to use clunky mechanical solenoids because there are solid state relays that are rated for that current or more.And are quite compact.