Although I don't believe a person needs any tools to adjust a T-20, I'll comment on the spring tension of new Maxs. I have a 'like new' 27hp Max IV and the sticks are extremely tight. Driving it for just a short time is a real workout. I also have an '02 Max II. The springs have been loosened and it is much more enjoyable to drive. Of course with loose springs, I have to be sure to push forward on the sticks when the vehicle is doing a slow turn or climbing a hill. It's always a good idea to push the sticks forward to firmly enguage the bands during high torque monuvers anyway.
Everybody dies, but not everybody lives.