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The idea behind the thicker oil is typically to maintain good oil pressure at whatever your average temp is when you're using the car the way it's meant to be driven. The track guys who abuse their cars far more than street driven cars use heavier oil because they operate at temps that would otherwise be out of 0w20's efficiency range (or some get oil coolers, or both).
On a street/stock car in Toronto, I wouldn't worry much. Your 0w20 will suit you fine. I live in FL and after 4-5 pulls up to redline in 90F the hottest my oil got was 212F even after sitting at a few lights.
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