I have a new production 20ga 500 youth (wife is small).
Has about 500 shells through it. Did end up having the trigger come out of adjustment causing the safety to not want to engage. Some troubleshooting and a small Allen key had it back in proper function.
The fit/finish is pretty good for a $400 gun (with rifled and smooth bores, plus a couple chokes). Good bluing, half decent wood, tight lock up, good trigger, smooth action.
Patterns well with cheapo loads, so I'm sure the good stuff would perform as it should.
Recoil is quite mild with the factory butt pad. I barely notice it, and the wife has no complaints. She finds it stout, but controllable and painless. Just like we (average size guys) find a 12ga to be stout, but not painful.
ETA: you will find a youth 20 to be great fun. Small, light, no recoil... What's not to love? I love to shoot ours. Of course it doesn't replace my 590a1, but I will never say I'm too manly to enjoy it.