The speed is how fast zoom and focus moves to your adjustments.
A speed of 20 means it moves to the spot faster than at speed of 1. So at this image below, if you hit the + or - sign on the zoom or focus, the slider will jump by 20 spots. This is fine for initial setup to get it close.
If you hover the mouse over the slider, it will give you a number. That number will rounded to the nearest whole number of the speed. So if your focus is really 1507 but you have the speed at 20, it will show you a focus of 1500 and then when you try to manually set it at 1500, you will be blurry because you are off by 7 points.
You mentioned your zoom is at 820 - well it might be anywhere from 811 to 829 as the speed was at 20 so it reports it to the nearest 20.
So when you need to fine tune the zoom or focus, you want the speed to be 1 to dial it in so it isn't jumping so fast at a speed of 20. If you use the utility, you need the exact number to key in so it dials up the exact focus or zoom you want.
For most situations it isn't a big deal, but with trying to dial these up for plates, it can make a huge difference.