De Minaur is the clear favourite on ability, but his current form does not suggest an easy rout. Fery has already shown that he can stay competitive in long matches, and that is more than enough for over 20.5.
De Minaur is world No. 8 and the fifth seed in Cincinnati, but expecting an inevitable 6:2, 6:3 win from him here would be too bold. In Montreal, the Australian led Cameron Norrie 7:5, 5:2 before falling apart at the end and losing in three sets. His start here was even more telling: against qualifier Quentin Halys, he dropped the first set 1:6 and only pulled through on a final-set tie-break — 1:6, 6:3, 7:6.
Fery is at the opposite end of the scale in terms of status, but no longer in terms of his level of play. After a sensational Wimbledon semi-final, the Briton rose to 37th in the rankings and was seeded. Four weeks without an official match did not stop him from beating James Duckworth — 6:4, 2:6, 7:6. That was 27 games, and the Briton did not buckle in the deciding tie-break after a poor second set.
For over 20.5, Fery does not need to cause another upset. One close set and solid resistance in the second will be enough: even 7:6, 6:2 produces 21 games. De Minaur has not shown the iron consistency in recent matches needed to dispatch a strong opponent quickly without extended sets.
Both have already played three-set matches in Cincinnati: Fery's went to 27 games and De Minaur's to 29. Given the Briton's form and the Australian's nervy start, the 20.5 line looks too low. There is no need to chase an underdog win — it is enough for Fery to take at least one set to 6:4 or a tie-break.