What are your thoughts on these 20+ settlements?
I hope they will be more alive such as the 5 major cities and opposed to Oblivion's smaller settlements. Also not just a stable, two houses and maybe a small chapel for example. And definitely more than 15 NPCs living there. I want there to be like maybe 10 homes, a couple inns and taverns, a chapel, a few shops (for armor/weapons/spells/potions/training etc.)
I hope they're larger than Oblivion. And no I do not want "a few shops" in every settlement. Maybe 1-2 shops in some of them, rarely 2. And nothing specialised just the stuff passers by the locals would need. The whole point of a city is that it is the center of commerce, that's where everyone is, so that's where people set up shop.
Some armourer isn't going to set up shop in some town with 20 people in it where business is going to be horrific.