High Fee is now a big problem for low income investor. Of course no one can bear 20% fee.
I have some solution for you to avoid high fee.
First choose Binance P2P trading where you will get Usd or Btc without any fee. Then trade for BCH.
2nd one is tobuae FTX exchange. Send trc20 to Ftx and exchange this xoin with BCH. Ftx has no withdraw fee . you can withdraw btc,Eth,BCH without any fee to any wallet or exchange.
I did everything as you described and at the moment FTX exchange has changed its policy for withdrawing funds. At that time i was withdrawing ETH from the exchange and paid commission of 0.0025 which isnt much compared to other exchanges...