See bottom of p 11 and page 12 of Pub 36 attached: https://www.tax.ny.gov/pdf/publications/income/pub36.pdf
Looks like you are eligible for the complete subtraction for all NYS and city taxes for a distribution including Roth rollover. That’s much better than just 20,000.
The question is whether you are allowed a distribution from the plan while still in service. That’s subject to the plan document after 59.5.
