I don't think that the law your talking about is a 20 mph speed limit. The law says that if a golf cart is capable of going over 20 mph on level ground in windless condition, then it is classified as an LSV (Low Speed Vehicle)
If the speed limit on a street is 25 and you're in your golf cart going 25 mph, going downhill with wind at your back, you are not breaking the law. Your golf cart is not necessarily categorized as an LSV under those circumstances.
As far as I know there is no law that prohibits a golf cart from going up to the speed limit as long as it is not capable of going over 20mph on level ground in windless conditions.
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