I have the same 20's you have, down to the Latitudes. When I was shopping I drove an overland with the 18" Latitudes and found the ride to be bouncy and more disconnected but the ride was good and handling was decent considering the tall sidewalls. However, since you are going for a winter combo why not do a Blizzac or a real winter tire?
BTW I have not found any situation where the 20's feel hard, these are hugely tall tires with a lot of spring rate. Then again I run max performance tires and european sport suspensions on my cars so my idea of a hard ride may be different than yours