#hf20 must be one of the most popular tags on STEEM right now!
Well let's get to it. Short bullet point "post hf20" FACT summary:

• Spam decreased dramatically
• Comment and post rewards have increased noticeably

Short personal opinion summary:

• The fast roll-out of the new system was absolutely necessary for STEEM's survival, whatever the effect on onboarding. It should have probably been implemented much sooner, I hope it's not too late.
• RC credits need a specialized marketplace to balance their value.