In the FS2024 version, you get a copilot and a full suite of passengers. So I'd think you'd at least get the copilot? Is Carenado inconsistent on copilot inclusion on 2020?
Alas, my FS2020 install is cut back to be a 1930s/40s-specific configuration, and not sure if I could even download it for the old sim as I got mine as part of the 2024 Premium Deluxe version, so can't check it there.
Edit: Oh, apparently I did get an entitlement for the 2020 download despite the 404 just being included stock with my edition of 2024. So just for you, Tom, I downloaded it and time-traveled a 404 to 1935. Alas, despite loading the plane fully with passengers and copilot, nothing visible in the cockpit. There's a "show copilot" setting on the clipboard, but it only affects the external view.
Bummer. I will say that if copilot/passenger inclusion is important to you, that's another check in the "reasons to upgrade to the current version of MSFS" column. Most native 2024 planes are really good about pilot/copilot avatars.
(Still occasional issues, such as iniBuilds screwing up the T-33, but I see a lot more copilots in 2024. Plus in 2024 it feels less like you're flying with a mannequin.

)
Sorry, wish I bore better news for you.